I'm looking to pay off my student loan as soon as possible. I've been making responsible payments into my loan for years now, and I've been making lump sum payments into my loan each time I come across a significant windfall.
However, I know that I could be doing better. There's a Public Service Employee Forgiveness Program I could be taking advantage of, but I'm afraid I may have already screwed myself out of that one (It requires documentation of your employment, and ten years of on-time loan payments, of which I haven't documented, have greatly reduced with my lump sum payments, and would be paid off by the time the 120 payments are made). I am also not sure if my loans are consolidated, or if they're all gathering independent interest and thus spiking the amount of interest I have to pay with each month's payment.
In short, I have a lot of questions, and I'd like the opinion of an expert. But I'm not sure who to turn to - the federal student loan site doesn't offer much helpful advice, and I'd like to avoid paying a financial adviser and go for a public option if possible. I belong to a Credit Union, and have the option of joining a different credit union that supports my state job.
Who can I turn to for advice on paying off my loan as quickly as possible?