> a debt which is not subject to bankruptcy laws ...and is completely forgiven if you die, make 25 years worth of payments (10 if you're in public interest), a

> a debt which is not subject to bankruptcy laws ...and is completely forgiven if you die, make 25 years worth of payments (10 if you're in public interest), are permanently disabled; is only required to be repaid to the extent you have discretionary income and haven't asked to put in forbearance; and is at an extremely low, tax-deductible interest rate, not secured by any assets.