re: Wife has student loans that she is paying on. is there any programs that assist

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There's several federal forgiveness programs. My wife's a teacher and has a forgiveness program after 5 years. You have to teach in a low income school, and meet a few qualifications for education (ie be a certified teacher in your subject). It's $5k for non-math and science, and $17k (I think) for math or science.

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There is also 10 year Public Service Loan Forgiveness for anyone working in Federal, State, Local, or tribal government (including teachers) or for certain Non-Profits.

When used in conjunction with forgiveness programs, Income Based Repayment (IBR) can be very helpful; 15% or 10% of discretionary income depending on when person last borrowed. Although IBR gives you a 25 year repayment plan, it doesn't matter if you get remaining balance forgiven tax free in 10 years.