First of all, what the heck? This lady is $97,000 in debt to become a public librarian? Two masters degrees in library science?

Also Dave Ramsey is right. Putting your faith in government to get rid of your student debt is a big gamble at best. The best way to deal with your loans is cut your lifestyle and take control. The best thing I did was stop paying minimum payments and throw every spare penny at the principle. It erases quickly when you are able to do that.