Choosing to borrow for college can feel scary, but if you have federal student loans and plan to work in public service, there’s a clear, well‑established path that can wipe out your remaining balance after 10 years of qualifying payments. It’s not magic, and it’s not instant, but it’s real: Public Service Loan Forgiveness (PSLF) + the right repayment strategy can make higher education affordable and keep you from being trapped by debt. Here’s how it works and what to watch o

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