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- [MN] I am a special education teacher in MN with about $42,000 in student loan debt, and currently on an income based repayment plan. Is it better for me to apply for the 10 year, total loan forgiveness program, or go with the 5 year, $17,500 loan forgiveness program? https://www.reddit.com/r/personalfinance/comments/8wlj6h/mn_i_am_a_special_education_teacher_in_mn_with/ 25 comments personalfinance