There are 9 ways to qualify so that so do not have to pay your student loans or pay a very reduced rate. These plans are for the gov't loans - not the private ones.
Unless you are making excellent money. You will qualify for one of the plans. The first notification you get about your loans after graduating tells you about what those plans are and how to apply for them. I have recommended looking into this to many people in a couple of my mom's groups on fb. Anyone who has answered me has been thrilled to qualify in days if not hours.
If you get on one of those plans - each month you are on it is a credit toward you paying in full even if you don't . After 20 years the whole this is "paid" on several of the plans.
No one should be struggling to pay student loans when this is such a slam dunk. All you have to do is jump through the hoops. It is a huge help to the debtor while also a huge problem for the broader economy. The larger economy is a house of cards farce anyway, so why should an individual psychology major care about that?
It’s a “slam dunk” if you’re willing to hold your loans for 25 years waiting for them to disappear. Keeping your income steady and not earning any bonuses (like if a small coin you invested in moons) for 25 years is a very restrictive way to pay off loans.
Earning the money and paying them back is hard too.
Those little notes are shackles.