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2. How to get out of debt without paying - AOL

   www.aol.com/finance/debt-without-paying...

   Income-driven repayment plans: These types of repayment plans reduce your monthly payments to 10 to 20 percent of your income for the next 20 or 25 years (depending on the plan). After that, the ...

3. Debt relief: Pros and cons - AOL

   www.aol.com/finance/debt-relief-pros-cons...

   Debt consolidation takes place when you move two or more of your existing debts into one new debt, typically with the help of a product like a debt consolidation loan or a balance transfer credit ...

4. What is debt forgiveness? - AOL

   www.aol.com/finance/debt-forgiveness-202301471.html

   Debt management plans: A debt counselor will work with your lenders to create a suitable repayment plan. They won’t negotiate a lower settlement amount but will request reduced interest rates ...

5. Debt settlement - Wikipedia

   en.wikipedia.org/wiki/Debt_settlement

   Debt settlement (also called debt reduction, debt negotiation or debt resolution) is a settlement negotiated with a debtor's unsecured creditor. Commonly, creditors agree to forgive a large part of the debt: perhaps around half, though results can vary widely. When settlements are finalized, the terms are put in writing.

6. Debt Consolidation: Smart Move or Financial Trap? 4 Questions ...

   www.aol.com/finance/debt-consolidation-smart...

   Ask these 4 key questions up front to determine whether or not debt consolidation makes sense for your individual circumstances.

7. There's a 'bunch of confusion' about the government's student ...

   www.aol.com/finance/theres-bunch-confusion...

   The bottom line is it's probably not a good idea to let your credit and financial flexibility be damaged in hopes of student debt forgiveness that may never come.