My annual Income Based Repayment Plan (IBR) recertification came back and based on the amount I currently make per year at my job. Instead of paying $66.80/month, I now have to pay $0/month towards my school loans. This is good!

It also scared the shit out of me because I’m on the Public Service Loan Forgiveness Program (PSLF) and to have your loan forgiven after ten years you have to make 120 qualifying payments. I was scared that the next year of $0/month put me one year off of having my students loans forgiven, but then I read up on things and this website was very helpful.

From Page 7 of the PDF link above: