what governme rogram are there out there for people who are in or their heads?all, there's deferments and forbearances, temporary suspensions of the obligation to repay the debt. you can consolidateith the direct loan program at loanconsolidationed.gov where the monthly payment is based o income oposed to the amount you owe. if you happened to have defaulted, there's loan rehabilitation programs and opportuny to settle for less than the amount you owe. all available for free from the federal government. >> all avaiable or free from the federal government. you know, a lot of people who wach this shw don't like te prrams because at the end of the day people don't repy debt owedded to the federal government, but for goodns sakes, don't get taken by a scammer; right? >> absolutely, and the -- i fau the federal government for not advertising the progam more. i mean, there's room for the scams to exist simply because the government doesn't ell borrors aout all the options that are available. gerri thanks for coming on and explaning thatto our vieers mark, and we'll pu