Two-thirds of college graduates leave school with student loans averaging $29,000, and many struggle to pay that debt back. But while millions of borrowers could qualify for loan-forgiveness programs to erase some or all of what they owe, only a fraction of those eligible take advantage of them. There are also a number of special situations in which you can get your loans discharged without penalties.

Your Profession – Almost every state has a loan-forgiveness program to attract people in certain professions to work in underserved or low-income areas.

Where You Live – A growing number of states and towns are trying to attract a younger, more educated population with programs to erase or pay down college debt.

Serving in the Military -Every branch of the military offers a Public Service Loan Forgiveness Program as an incentive to join.

Volunteering – Several federal volunteer organizations give you money for your student loans.

If You Become Disabled -If you become disabled and are unable to work, your federal loans will be erased under the Total and Permanent Disability (TPD) discharge program.

Special Limitations –There are several unusual circumstances in which you can get your loans dismissed. They include if your school shuts down while you’re enrolled, if your college has defrauded you in some way, or if the school certifies your eligibility to work in an occupation you trained for but you can’t do because of a physical or mental disability or criminal record.