Public service workers may qualify for loan forgiveness  The
program, which was created in 2007, is ideal for those who have
big federal student loan debts and small incomes.  Dear Liz: I
am the single mother of four daughters, including one who has a
serious heart condition that causes $10,000 to $30,000 in out-
of-pocket medical expenses each year. These medical bills have
caused me to file bankruptcy twice, but the bankruptcies have
not wiped out my student loans.  I have qualified for minimum
payments and deferments a couple of times but have been on a
payment schedule the vast majority of the time. The interest
grows faster than I can keep up, and I keep getting deeper into
the hole. I am now 51 and have over $45,000 in student loans.
After a year and a half of being unemployed, and depleting my
retirement funds to pay for COBRA health coverage, I finally
found a job — I am making $30,000 a year working for a nonprofit
as a social worker — but I still can't make any progress on
these loans.  The only prog