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But if you come across an offer for “Obama Student Loan Forgiveness,” run the other way.These sites are not government sanctioned — but rather scams of presidential proportions.These companies run into legal trouble when they pressure borrowers to pay fees upfront, claim they can negotiate immediate loan forgiveness or lower payments from the federal government, and request "power of attorney" to access borrowers' accounts with the Department of Education.Regulators have taken action against such companies.Nearly 25% of borrowers now use income-based repayment plans, though the ones who gain the most benefit – those with high student loan debt – are not taking full advantage of it.The Consumer Financial Protection Bureau said in 2016 that 70% of borrowers in default on student loans would qualify for the low payments offered through the PAYE and REPAYE programs, but haven’t signed up.

Let’s start with the basics: Eligible loans: All Direct federal loans, as long as they are not in default, are eligible for the new plan.Americans collectively owe nearly

Let’s start with the basics: Eligible loans: All Direct federal loans, as long as they are not in default, are eligible for the new plan.

Americans collectively owe nearly $1.3 trillion in student loans, more than any other type of consumer debt except mortgages.

Student debt-relief companies provide document preparation services for borrowers.

On Thursday, millions of Americans became eligible to take advantage of the government’s most generous student loan repayment plan.

The repayment program, known as Revised Pay as You Earn or REPAYE, caps borrowers’ monthly bills to 10 percent of their income and forgives the debt after 20 years of payment.

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Let’s start with the basics: Eligible loans: All Direct federal loans, as long as they are not in default, are eligible for the new plan.Americans collectively owe nearly $1.3 trillion in student loans, more than any other type of consumer debt except mortgages.Student debt-relief companies provide document preparation services for borrowers.On Thursday, millions of Americans became eligible to take advantage of the government’s most generous student loan repayment plan.The repayment program, known as Revised Pay as You Earn or REPAYE, caps borrowers’ monthly bills to 10 percent of their income and forgives the debt after 20 years of payment.Up until now, those terms were only available for people with especially low income relative to their debt and who took out their loans after 2007.

.3 trillion in student loans, more than any other type of consumer debt except mortgages.Student debt-relief companies provide document preparation services for borrowers.On Thursday, millions of Americans became eligible to take advantage of the government’s most generous student loan repayment plan.The repayment program, known as Revised Pay as You Earn or REPAYE, caps borrowers’ monthly bills to 10 percent of their income and forgives the debt after 20 years of payment.Up until now, those terms were only available for people with especially low income relative to their debt and who took out their loans after 2007.