2. Look for forgiveness
Loan forgiveness is definitely an option worth considering. There are many public service fields and some teaching positions that allow for loan forgiveness after working in the field for a period of 10 years. During the period you must make 120 payments on your loans after which the balance will be forgiven. You can also do volunteer work to pay down debt. AmeriCorps, the Peace Corps, and Vista all have programs that qualify for loan forgiveness.