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If you have a Parent PLUS loan you’re trying to pay off, chances are you hear the word “no” a lot.

Some of the key protections and perks available to student borrowers are off limits to parents who borrow for their children’s education. That includes student loan forgiveness and income-based repayment. At least, that’s the conventional wisdom ...

If serving the public is your calling, there’s a good chance you already know that you're probably not going to be raking in the cash. (Trust me, I should know. I spent 17 years as a public school counselor and the benefits came from serving kids, not from a big paycheck.)

While you can make a decent living working in public service jobs, oftentimes, your income may be barely enough to cover all of your monthly expenses. This is especially true if you have an overwhelming amount of student loan debt.

If you have a graduate degree in a medical field, there's a good chance that along with a drawer full of scrubs and the ability to name every bone in the body, you're in possession of a significant student loan balance. 

Medical professionals have the highest average student debt load among individuals who earn graduate degrees: $161,772. And if you put your loans into forbearance during your residency, that number might be even higher. 

Paying off your student loans before you're retired may feel like a pipe dream. So what can you do about it?

Teachers enter their field for many noble reasons: the opportunity to help children, their desire to serve their local communities, or simply for the love of their particular subject. To join this valuable profession, many of them invest heavily in their own education, emerging from college with substantial loans.

With 44 million Americans currently dealing with student loans, borrowers are exploring every possible means to reduce or eliminate their debt. If you belong to that large and growing category, student loan forgiveness can sound like an ideal option. This prospect has gotten a lot of attention following the Obama administration’s changes to the nation’s student loan system, with more than 5 million borrowers now using plans that could lead to loan forgiveness in time.