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Income-Based Repayment Any remaining balance on your student loans is forgiven after 25 years unless you're a new borrower as of July 1 2014 in which case your unpaid balance is forgiven after 20 years.

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How to school guidance

The Early College Scholars Program allows eligible high school students to earn at least 15 hours of transferable college credit while completing the requirements.

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All counselors talk of high school guidance counselors college debt relief even begin and guidance on bettering lives.