A student loan program is a program that will forgive your student loans so you won't have to pay anymore money on the student loans you owe.
To qualify for student loan forgiveness you do have to be enrolled in a payment system and have to be making payments for at least 20 years before your student loan can be forgiven.
On some student loans you have to be paying on your student loans for 25 years before your student loans will be forgiven.
When your student loans are forgiven it's noted on your credit that you've settled the student loan debt and your credit will not be hurt like it would if you just failed to pay the student loans and they went to collections.
Not everyone qualifies for student loan forgiveness but it's worth a try to contact a student loan forgiveness company to help you settle your student loans which can be hard to pay for for some people.