Debbie Baker, who taught in public schools near Tulsa, Okla., had nearly $76,000 in student loans that she thought would be forgiven but weren’t. She was told she didn’t qualify because she had the wrong type of loan.

Debbie Baker, who taught in public schools near Tulsa, Okla., had nearly $76,000 in student loans that she thought would be forgiven but weren’t. She was told she didn’t qualify because she had the wrong type of loan.