I have been in repayment since 2011. SAVE literally ended a week after I got a letter that I was in line for forgiveness so I switched to IDR. My total owed is a little over $16k and my interest rate is 5.88. Consolidated in 2024. My payment counts read as this:

    ICR Eligible: Y Qualified 156 and 144 remaining for forgiveness

    IBR Eligible: Y Qualified 0 and 300 remaining for forgiveness

    IBR 2014 Eligible: N Qualified 167 and 73 remaining for forgiveness

    Studentaid.gov states I’m in IDR. Is it possible the counts aren’t right because I’ve changed plans over the years? I was halfway through doing PSLF with SAVE up through the end of 2023 when I thought I’d still be working for a nonprofit(my current employer doesn’t qualify) and way back when was on PAYE because of the super low payments when I made half as much as I do now.

    Payment count confusion
    byu/Professional_Towel24 inStudentLoans



    Posted by Professional_Towel24

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