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These include: term extension, Income-Based Repayment (IBR), loan forgiveness programs, and the Federal Direct Consolidation Program.

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It is free to apply and the process usually takes about 15 minutes.

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You will find all of the necessary information below.​Before you start an application, you should know that most lenders require a minimum FICO credit score of 660, 40% maximum monthly debt-to-income, and ,000 in yearly gross income.