I am at work on my personal laptop, after rebuilding a piece of equipment (no time to visit the links). Based on my knowledge of him, he would recommend getting an income increase (second job/better paying job, etc), and/or saving up the money to pay off the student debt, so if something happens (plan for a rainy day, it is going to rain), one could write the check and be done with it. Planning for student loan forgiveness is not a plan, nor is taking out more debt for more classes.