Clare Lombardo | Michigan Radio
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Clare Lombardo

Denise had no idea her student loans could be erased. In 2007, a truck rear-ended her car. The accident ravaged her legs and back, and the pain made it impossible for her to work.

"I have basically been in pain — chronic pain — every day," says Denise, who asked that NPR not use her full name to protect her privacy. "I live a life of going to doctors constantly."