2007 introduced the College Cost Reduction and Access Act (CCRA). With some students becoming unable to make the necessary payments on their federal loans, this act increased forgiveness of such loans. After a former student has been employed for a decade with a branch of public service, the loan is discharged. Certain stipulations must be met in order to have the loan discharged. For instance, a total of 120 payments must have been made (averaging one per month for 10 years). These payments must have been made after October 1, 2007 in order to count towards the total.