More than ever before, young Americans who attend college are being saddled with formidable financial debt, placing an incredible burden on them precisely at the time when they are seeking to launch their careers. As this national conversation over college affordability continues, there is a particular urgency to address the concerns of student loan borrowers who have already left school. This report discusses two major repayment programs run by the U.S. Department of Education to help student borrowers manage their debt--the Income-Based Repayment plan (IBR), and the Public Service Loan Forgiveness Program (PSLF)--and provides recommendations to help more eligible borrowers take advantage of them.