Which of the following is an option available to help seniors with education debt?

The option of disability discharge is particularly relevant for seniors with education debt who may face challenges in repaying their loans due to medical conditions or disabilities. If a borrower becomes totally and permanently disabled, they may qualify to have their federal student loans discharged, which relieves them of the responsibility to repay those loans. This can provide significant relief and financial stability for seniors who are unable to work or have substantial healthcare expenses.

In contrast, the other options, while they may relate to debt management in general, do not specifically cater to the needs of seniors with education debt in the same context or may not be applicable. For instance, credit card consolidation involves combining various credit card debts into a single loan, which may not directly address educational loans. Loan forgiveness often applies more broadly based on criteria like employment in certain sectors rather than focusing solely on the difficulties faced by seniors. Immediate repayment would likely put additional financial pressure on seniors who may already be struggling with fixed incomes or health-related costs, making it less practical as a helpful option.