Everyone and their sister are on some kind of special payment plan for their student loans. But some people get so overwhelmed with the options they just don't bother with them. With all the talk about student loans, debt, and wealth building I'd be remiss not answer the question: How Legit is Student Loan Forgiveness? When we made the final payment on my $51,000 federal student loan (Which ballooned to almost $60K with interest.) Pressing that button (actually those three buttons) was a surreal experience. In full disclosure, we paid off almost $78K of car and student loan debt on our…