Student debt has become one of the most pressing financial challenges facing graduates today. With the rising cost of education, millions of borrowers struggle to meet their repayment obligations, often juggling multiple loans with varying interest rates and repayment terms. This financial strain not only affects their ability to save for the future but also limits career choices, homeownership, and overall economic mobility. Many borrowers find themselves trapped in a cycle of debt that seems impossible to escape. Understanding the options available for managing student debt is crucial to achieving financial freedom and stability.