zlacker

IIRC PSLF originally required not ten years of elapsed time but rather 120 sequential on-time payments in full under a qualifying repayment plan, where "on-time" was determined by the loan servicer. And you had to keep working beyond that time until the application was approved (most were rejected) and processed (probably as quickly as government departments usually operate.)

Loan servicers had every incentive to thwart this by declaring payments late or incomplete, steering borrowers into forbearance or non-qualifying repayment plans, etc.

As you can imagine, fewer than 1% of applicants successfully had their loans discharged.

They've been trying to fix things since the pandemic for people who consolidate to a federal direct loan.

>>musica+(OP)
> 120 sequential on-time payments in full under a specific repayment plan

The sequential requirement has been removed, right?