“If you have a high enough debt compared to how much your income is, you should first consider if it’s better for you to pursue some kind of forgiveness program where you don’t actually pay your student loans off in full,” Chidester explains. If this is the case, then your goal will not be to pay your debt back as fast a possible. “If you’re going for forgiveness, then your mentality is going to be, ‘How do I pay less on my debts slower?’”
