Community Leader<br> Valued Contributor</br>
Community Leader
Valued Contributor
Posts: 1,525
Registered: ‎06-09-2008
Re: Need Advice for Paying Debt!!

Other than specific professional programs (IE for doctors/teachers who work in certain high-need service areas), the 120 payment forgiveness program is for people employed in a public service profession.  For each payment to count, you have to have been employed at an eligible profession or non-profit organization at the time the payment was made (details are here:


I would reccomend paying off the highest interest balance first, to save the most money over time.  But if you want to get an early "win" to boost your morale and help you stay committed, then paying off the smallest balance first is a good way to go.