With the student debt crisis showing no sign of letting up any time soon, students should be well-versed in programs that can help. Below is information on repayment programs, as well as links to organizations and people who cover student debt.

Federal Programs

Income-Based Repayment: Forgiveness available for remaining balance of Direct Loans after 120 payments for those employed by public service employers.

Income-Contingent Repayment: Designed to make repayment easier by basing monthly payment on income and student-loan debt.

Pay As You Earn Repayment: A modified version of the Income-Based Repayment plan for some current students and recent graduates. The plan lowers the payment cap from 15% to 10% of a borrowers’ discretionary income, and forgives any remaining debt after 20 rather than 25 years of payments.

Public Service Loan Forgiveness: Forgiveness available for remaining balance of Direct Loans after 120 payments for those employed by public service employers.

Financial Resources

Consumer Financial Protection Bureau: This government agency features a tool that shows how best to pay back student loans.

FinAid: A wealth of information about student loans.

Heather Jarvis: The go-to source for all your law school debt questions.

IBRInfo: Created by the nonprofit, nonpartisan Project on Student Debt, IBRInfo is the source for IBR and student debt relief programs.

Student Loan Borrower Assistance.org: Provides a wealth of information about debt.

Advocacy and Reform

All Education Matters: “A non-profit organization dedicated to the eradication of all student loan debt through activism, education, and legislation.”

The Belly of the Beast: A blog by Steven J. Harper, an adjunct professor at Northwestern University and author of The Lawyer Bubble.

Law School Cafe: A resource “for anyone interested in reshaping legal education.”

Law School Transparency: Seeking to “make entry to the legal profession more transparent, affordable, and fair.”

The Last Gen X American: Matt Leichter, a contributor to The American Lawyer Magazine, has a mission to “archive, chronicle, and analyze the tuition bubble, and the American legal education system.”

Project on Student Debt: Part of the Institute for College Access & Success (TICAS), which works to make higher education more available and affordable for people of all backgrounds.

Student Loan Borrower Assistance.org: Provides a wealth of information about debt.