Exceptional Circumstances (paying full debt would cause economic hardship or would be unfair and inequitable) (taxdebthelp.com)
The number of months and the total principal amount plus approximate interest charges required to liquidate in full the debts, except mortgage or land contract interest payments, described in the contract. (navicoresolutions.org)
PLSF offers full debt forgiveness for graduates in public service careers after they have made 120 payments on qualified federal student loans. (credible.com)