Student loan nightmare: Some borrowers have to start over

At the Johns Hopkins Bloomberg School of Public Health in Baltimore, Maryland, Nick Rizzutti spends his days researching how different environments affect the health of children.

To get there, he racked up more than $80,000 in student debt.

So Rizzutti, 28, was relieved to find out that he qualifies for . That program, signed into law by President George W. Bush in 2007, allows certain members of the , classroom and social workers, as well as not-for-profit and government employees, to have certain loans eliminated after 10 years of on-time payments.

(It‘s just for loan forgiveness, cancellation and discharge for federal student loans.)