I have been paying my student loan for 20 years, started in 1998. I am 73 yrs old and recently retired and have a limited income, SS and pension, no other sources. I still owe $13,000.00 and have mounting medical debt and a large IRS debt. Is there any forgiveness program for me.
There's no specific forgiveness program for you, but if you're on an income-driven repayment plan (which you probably should be), your loan payments may legally be $0 per month and you'll also see your loans forgiven at the end of the repayment term.
Check out all the options here: https://thecollegeinvestor.com/21541/different-ways-to-get-student-loan-forgiveness/