If you owe more in student loans than you earn in a given year, you must, must, must drop everything and watch the video below.

Log-on to IBRInfo.org for more information.

And now for a special announcement for current college students and their families: This is a great program for graduates who got themselves in over their head with poor college financing decisions but it is not something you should count on when applying for and financing college. These programs can lose their funding at the drop of a hat. When signing up for student loans, it's better to assume the worst. If you can't afford the monthly payments, go back to the drawing board.