"The right strategies are dependent on age and circumstance." 20S DEBT RELIEF Recent college graduates may be feeling like they'll never get out of debt. This year was even tougher with graduation ceremonies cancelled and unemployment hitting historic highs. Federal student loan debt now offers income driven repayment plans. There's also a 10-year forgiveness if payments are assessed based on tax returns. Required payments can be as low as $0. Find details at https://studentaid.gov/manageloans/repayment/plans/incomedriven. Don't make the mistake of refinancing through a private company, as this will eliminate the government choice for incomebased payments and the forgiveness opportunity. For recently married couples who are starting to think about having kids, saving, budgeting, and getting out of debt should be a top priority. That might not be enough, particularly when layoffs are added to the mix. Now's a good time to utilize technology. Whether it 's to get creative with a web-based business venture or to research training options, the extra time at home can be used to learn. While it can be hard to stomach after one has ventured into the job market, sometimes the best answer is to invest a little more in developing sought-after skills. TheRoanoker.com NOVEMBER/DECEMBER 2020 31http://www.TheRoanoker.com