 The debt relief initiative known as the SAVE Plan reduces monthly payments to as low as $0 per month for borrowers. I don't know why I can't get that word out today. And allows those who have borrowed $12,000 or less to receive loan forgiveness after 10 years of payments. I'm sorry, if you're still paying on $10,000 or $12,000 after 10 years, you have bad money management skills. And perhaps you should listen to...