As noted here, the College Cost Reduction and Access Act of 2007 lets students rip off lenders (or taxpayers, I can't tell) by capping repayment of student loans at a percentage of income if you are working for certain "public service" jobs--with the rest "forgiven." So suppose you have $200k of student loans from law school, and go work for a non-profit or public defender's office for a relatively low salary--you pay back a fraction of the loan over 10 years, then at that time the rest is forgiven. America, we hardly knew ye.