Some borrowers in the U.S. who benefit from Public Service Loan Forgiveness may soon see changes to their repayment plans.

The proposed regulatory text from the Education Department would ban certain employers from being eligible for Public Service Loan Forgiveness.

A student loan legal group is urging certain borrowers to take immediate action or they may lose access to key repayment plans. But the situation is extremely complex.

The videos suggest a quick hack for having student loans forgiven. Experts warn that trying it can inflict long-term financial damage.