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As with anything related to the federal government, the terms related to student loan forgiveness are subject to change.

Regardless of any alterations that may be on the horizon, Mark Kantrowitz, senior vice president and publisher of and author of "Filing the FAFSA," warns borrowers against betting their financial future on the hope of debt forgiveness, especially the kind that's tied to public service.

Each has its own conditions, requirements and limitations. The Public Service Loan Forgiveness Program (PSLF) is designed specifically for people who work in public service jobs, either for the government or for a nonprofit organization.

You may also be able to get all or part of your loan forgiven through certain types of volunteer work, military service or medical practice.

Student debt has reached an all-time high in the U. of late, with an estimated 40 million people now owing an average balance of ,000, according to credit report company Experian.

With student loans soaring, debt-saddled students and graduates are desperate for any strategy that may help them escape their burden.

Income-driven repayment plans, designed to help graduates who are having trouble making payments within the standard 10-year time frame, also include forgiveness for borrowers not in the public sector after a certain period of time.

While it takes decades for forgiveness to happen, borrowers have rushed to get on board.

By volunteering with the Peace Corps, 15% of your Perkins Loan balance will be forgiven for each year of service.Only direct loans made by the federal government (the William D.Ford Federal Direct Loan Program) are eligible for student loan forgiveness.In reality, though, not that many people end up being eligible.Requirements vary depending on the type of loan, but most offer forgiveness for those employed in certain public-service occupations.




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