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For many, student loan debt relief may be on the way

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Two new government programs could save you some serious money and lower your monthly student loan payments.

The first new program is Income-Based Repayment: a new repayment option for federal student loans, which became available on July 1. It caps monthly payments at an affordable level based on your income and family size, and forgives any debt and interest that remains after 25 years.

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