After a lifetime of pouring your heart and wallet into them, its your kids college graduation day.

As you wipe away a tear, you think, Im all done here, right?

Dont give up hope.

A mother hugs her daughter after her college graduation.

(But who ever said parenting was easy?)

7 Ways to Make Money if You Hate People

Do you avoid people too?

Enough small talk.Here are some waysto earn extra cash, without all of the social stuff.

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However, there are ways to alter your loan to make it eligible for forgiveness.

Income-Contingent Repayment Plan

Instead of signing up for PSLF, you could stop at the ICR plan.

The good news is that loan forgiveness via ICR does not depend on you working in public service.

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The bad news is that receiving loan forgiveness through ICR takes 25 years.

If you havent repaid that loan in 25 years, any remaining amount will be forgiven.

This discharge does not apply if your child becomes disabled only you.

you’re able to learn loan disability discharge in this post.

Direct Plus Loans for parents will also be forgiven if either you or your child dies.

Heres more information aboutwhat happens to student loans when you die.

Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder.

Readher bio and other work here, then catch her on Twitter @TiffanyWendeln.

(Can you sense my millennial sarcasm there?)

You know which ones were talking about: rent, utilities, cell phone bill, insurance, groceries…