Forgiveness programs are initiatives designed to help individuals or groups alleviate or eliminate debts, fines, or penalties. These programs often target specific populations, such as low-income individuals or those affected by crises, and aim to provide financial relief and promote economic stability. They may involve the cancellation of certain fees or the restructuring of payment plans. Many forgiveness programs are implemented by government agencies, non-profit organizations, or educational institutions. For example, student loan forgiveness programs allow eligible borrowers to have a portion of their loans forgiven after meeting specific criteria, such as working in public service or making consistent payments over a set period.