Dear Ms. Jarvis,

I am currently writing a paper for my English class and I chose to write about the issue of increasing student loan debt. Among the sources that I am using to find research on this topic, I wanted to have an expert’s opinion. I have a few questions on the matter of student debt:

How exactly do loan repayment programs work?
What other options are available for someone who ends being buried in debt?
What are some ways to avoid going into debt in the first place?

I would really appreciate hearing your answer.
Thank you.