With classes starting up again for colleges and universities, many are wondering about the best ways to pay for college and get out from under student loan debt.

Jennifer Lane, a certified financial planner with Compass Planning, answers NECN viewers' questions.

Jack in Weymouth asks: "How can I be sure I'm eligible for the Public Service Loan Forgiveness program? I graduated from law school 3 years ago and I've been working as an assistant district attorney for 2 years."

Susan in Pepperell writes: "My sister graduated two years ago with a ton of student loan debt. She's working but her rent is high so she is only making minimum loan payments. I start college next September. What can I do to minimize what I need to borrow?"

Stephanie in Boston asks "I didn't pay my student loans while I was working abroad and some loans have gone to collection. I'm trying to negotiate but getting nowhere. Is there a program to help me get back on track?"