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...