If a genie showed up on your doorstep and promised to grant you three wishes, it’s a pretty good bet that one of those wishes would be to make all of your student loans magically disappear.

Unfortunately, we can’t clear your balances with the snap of our fingers. (We would if we could. We promise.) But we can tell you about all the options you have to get those loans forgiven.

If you’re working as a teacher, you know the power that comes from making a difference in kids’ lives. But you might also know the anxiety that accompanies high student loan bills on a teacher’s salary.

Even though teacher salaries aren’t on par with other professional fields in the United States, education degrees can be pricey.

If you’re expecting a new baby, you probably know that your finances are about to change … but maybe you’re not sure exactly how much they’re going to change, or in what ways. I can relate.

When my wife was pregnant, we spent a lot of time talking about the potential cost of childcare. What we didn’t talk about were the small purchases that add up over time: diapers and wipes, milk storage bags, and teething wafers. Oh, and every single swaddle or sleep sack that got an Amazon reviewer’s child to sleep through the night. 

You knew exactly what life was going to look like when you graduated. You’d get a sweet job, a sick apartment, and a regular spot at a trendy bar where you’d debrief with your quirky coworkers. You’d spend your weekends brunching and staying out late watching your favorite bands perform.

But then reality hit.

If you’re struggling to make your monthly student loan payments, you may be considering ways to lower them. By refinancing for a lower interest rate or a longer payment term, you could reduce your payments to a more manageable number.

Of course, you might benefit from refinancing your student loans even if you don’t have trouble making your payments.

No academic degree takes longer to earn—or is more expensive to pay off—than a medical degree. The average medical school student now graduates with $192,000 in student loan debt, according to the Association of American Medical Colleges.

So if you’re feeling overwhelmed by your student loans, you’re not alone.