I am writing this as someone who has continued easily in the IBR for the past 10 years making zero $ per month payments due to my low income status. I realize I still am only half way to the goal, and on top of that I may have to deal with taxes on my loan debt if I am successful in reaching forgiveness after 20-25 years. The reason I am posting on here is to ask if there is anyone out there who has made it to the goal, and if so, is it possible to get an idea how much taxes they were hit with ? Or if they were able to claim insolvency somehow ? Thanks for your advice !