November 16, 2007

Forgiving Loans of Those in Public Service Grows Popular, but Programs Are Unproven

By KELLY FIELD

Andrea A. Carlino graduated from law school in 2004 with $120,000 in debt. Three years later, she earns $54,000 a year trying felony cases for the Queens district attorney's office. She loves her job and willingly makes some sacrifices for it — like living at home with her parents on Long Island and commuting to Queens in her 1994 Buick Skylark.

But Ms. Carlino, 28, worries that she and her fiancé, who has student loans of his own, will be unable to afford a home on

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