over 30 years non graduate and original loans add up to 30k but over the years been in forbearance so many times, i now owe 73,000. Somehow i have never been in default. Sallie Mae but now Navient serviced and in a income based repayment. Debt to Balance ratio is now ridiculous over 50% owed just in interest. Anybody know of any help?
How long have you been on an income-based repayment plan? At the 25 year mark of the plan the remaining balance is forgiven. The key is, you need to stay consistent on it and not default.