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A National Post-secondary Student Aid study revealed that the average graduate would need to perform student loan debt consolidation to the tune of $23,186. Unless an individual has a serious medical condition that indefinitely impairs their earning potential, no debt relief program can help. That person would need to prove extreme financial hardship. This means that finding ways to pay off student loan debt is the only current option.

The Scale of Student Loan Debt

Recent evidence from the U.S. Education Department showed that the amount that students borrowed to fund college living expenses and tuition fees has increased over the 2008/2009 academic year to $75.1 billion. It represents an increase of 25% compared to just 12 months earlier. This is clearly because the recession has meant that students and parents aren't in a financial position to cover the costs.

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