Debbie Baker, who taught in public schools near Tulsa, Okla., had nearly $76,000 in student loans that she thought would be forgiven but weren’t. She was told she didn’t qualify because she had the wrong type of loan.

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Debbie Baker, who taught in public schools near Tulsa, Okla., had nearly $76,000 in student loans that she thought would be forgiven but weren’t. She was told she didn’t qualify because she had the wrong type of loan.