Unless you were awarded LRAP by your college when you first enrolled, you unfortunately cannot benefit from LRAP – however, there are other options.  You may contact your lender or loan servicer to determine if they have any loan forgiveness or income-driven repayment (IDR) plans that might help you manage the burden of loan repayment. You may also want to visit www.studentaid.ed.gov to learn more about which Federal loan repayment and forgiveness options are available to you.