With new programs in place for student loan debt forgiveness and income-based repayment plans, paying back federal student loans is steadily becoming more financially reasonable. Federal student loans have room for forgiveness and flexibility, unless you live in the state of New Jersey. Loan sharking has been a rising issue with New Jersey loan servicing companies but it is perfectly legal.
https://www.ameritechfinancial.com/loan-sharks-new-jersey/
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