You'll see information about applying for forgiveness and cancellation, or other programs like income - driven repayment plans. (consumer.ftc.gov)
However, if you depend on income - based repayment plans or intend to apply for forgiveness through the federal government, then refinancing may not be a smart choice for you. (lendedu.com)
You learn everything from what program may be best for you, to qualifying and applying for forgiveness successfully. (usstudentloancenter.org)