Teacher loan forgiveness help

I need guidance.

I am a 5th year teacher. 2 years at NON TITLE 1. 2 years AT TITLE 1 teaching 4th grade math. 1 year (current) at TITLE 1 teaching 7th grade math. I understand that my first 2 years do not count towards the teacher loan forgiveness. This next part is where I struggle. I understand that to get the 17,500 you have to teach secondary math or science for 5 consecutive years. The thing that gets me is “highly qualified teacher.” So would I have to work 4 more years instead of 2 to get the 17,500? Is there a “loophole” I guess you could say, to count my first 2 years towards the 17,500?

I do not qualify for PSFL as I have been in IDR review forbearance for 2 years now. I thought those payments went towards it at the time, but I have found out that is not the case. I also do not plan on teaching for 10 more years.

I’m trying to start a family asap which would result in me being a stay at home mom. My fiance & I really would like to be debt free before having kids but another 4 years in education is killing me & I do not want to wait that long to have kids.

I also have 20k in Sallie Mae loans that are a priority as well due to the interest rate.