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It has nothing to do with your repayment plan, however, if you're smart, you'll combine IBR or PAYE with PSLF to get the maximum benefit.
You can learn more about Public Service Loan Forgiveness here: Top Ways To Get Student Loan Forgiveness, or you can enroll in our 15 minute program to show you how to apply.
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It's estimated that roughly 50% of student loan borrowers qualify for some type of student loan forgiveness program.
But this statistic is misleading, because a lot of borrowers think this means qualifying for some type of student loan forgiveness program. Actually, most borrowers qualify for student loan forgiveness through one of these “secret” ways.
The secret is simple: sign up for a qualifying student loan repayment plan, and your loan will be forgiven at the end of the plan. What's even better is that your income could be low enough to qualify for zero or minimal repayment, at which your loan will be forgiven at the end.
Under this plan, your payments will be the lesser of the following: With the ICR plan, your loans will be forgiven at the end of 25 years.
It's important to note that with this plan, your payments could end up being higher than the standard 10 year repayment plan.
They can help you navigate the student loan terrain and help you systematically apply for the programs offered by the Department of Education.
Check out the Public Service Loan Forgiveness Training.