The Five-Points Plan to help make loans more manageable is:

1. Limit student loan payments to a reasonable percentage of income.2. Recognize that borrowers with children have less income available for student loan payments.3. Protect borrowers from high-interest charges when they face hardship situations.4. Cancel remaining debts when borrowers have made regular payments for 20 years.5. Simplify the application process for hardship deferrals and other repayment options.

Source: http://projectonstudentdebt.org/five_point_plan.vp.html