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Can someone please explain to me, in the simplest terms possible, what is student loan rehabilitation? What does it mean? Are there any risks to entering loan rehabilitation?

Say you have debt and debt collectors come after you. Let's also say you pay them. Who gets the money in this case? Does the agency keep the money or does the money go to the lender that approved your loan in the first place?

Has anyone ever heard about income-driven repayment plans? I've only recently heard about this myself, so I'm now entirely sure how it all works. Can someone please enlighten me? What are the pros and cons? How does it all work? Thank you very much in advance!

So, I'm in my 30's now and, after years since graduating, I'm still trying to figure out how to pay off my student loans, faster. For instance, I've heard about people who managed to earn enough income on the side (a.k.a., in addition to their monthly fixed income) and they managed to pay them...