Almost 27 million borrowers with federal student loans are set to start repayments in February, but some have succeeded in erasing their debt through the Public Service Loan Forgiveness program (PSLF). The program ran into trouble a few years ago, and fewer than 5% of applicants were approved for loan forgiveness despite tracking their payments for a decade, as required. Yvonne Dowell, a Baltimore mental-health counselor, was initially denied, but she reapplied after the Biden administration overhauled the program this fall. ...