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Drowning in student loan debt isn’t fun, and that’s especially true when you realize there are so few ways to dig yourself out. You can pay off your loans the hard way, forking over a significant portion of your income over ten years with a standard repayment plan. You can also opt for a loan forgiveness program like Public Service Loan Forgiveness (PSLF) and be required to work in a handful of specific public service positions that may not be ideal, then maybe have your loans forgiven after ten years. While PSLF is a good idea in theory, it’s hard to be excited about it when only a small percentage of applicants are actually approved.