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Who would want to face life after college with credit card debt hanging over their heads? Certainly not you, or any other college student for that matter. But the sad truth is that many fresh college graduates are working to pay off their debts rather than starting to build their lives and carve their own future. Most of their free time is spent with debt assistance personnel rather than with their friends and their loved ones.

If you are still in college and do not want the same fate as most graduates have, then it is best that you apply for loan forgiveness programs that are sanctioned by the College Cost Reduction and Access Act of 2007. This means that any loans and credit card debt you incurred in your name will be settled and forgiven in exchange for a few years of service.