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Once you recognize this as a bad habit, only then will you be on the road to recovery.

Monitor your progress at the end of each day in writing and make written notes of any adjustments you need to improve. Just thinking about it doesn’t cut it, because your thoughts are too easily forgotten.

Employment: The borrower must be employed full-time in a public service job for each of the 120 monthly payments. Public service jobs include, among other positions, emergency management, government (excluding time served as a member of Congress), military service, public safety and law enforcement (police and fire), public health (including nurses, nurse practitioners, nurses in a clinical setting, and full-time professionals engaged in health care practitioner occupations and health care support occupations), public education, early childhood education (including licensed or regulated childcare, Head Start, and State-funded prekindergarten), social work in a public child or family service agency, public services for individuals with disabilities or the elderly, public interest legal services (including prosecutors, public defenders and legal advocacy on behalf of low-income communities at a nonprofit organization), public librarians, school librarians and other school-based services, and employees of tax exempt 501(c)(3) organizations. Full-time faculty at tribal colleges and universities, as well as faculty teaching in high-need subject areas and shortage areas (including nurse faculty, foreign language faculty, and part-time faculty at community colleges), also qualify.

“All of that is really what’s on parents’ minds,” she said. While many of her friends will not send their children to school on Monday, Ms. Capone’s three children, who range from a kindergartner to a third grader, will be there, even though for the past week “they keep coming home and telling me what movies they watched.” “Honestly, for me, it’s free child care,” she said, “and I can get in one last day at the gym.”

“Honestly, for me, it’s free child care,” she said, “and I can get in one last day at the gym.”