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You could attempt to contact the IRS from here if you cannot afford to pay, but they'll expect you to repay your tax debt in full. My brother used your information and it works great. You get to keep the government's matching of your contributions. Many people assume that consolidating debt is the solution to their debt difficulties. IBR plans should become available during the summer of 2009 for graduates holding student loan accounts with the Department of Education or with a select private lender administered by the Federal Family Education Loan Program.

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