They told me I have nine years and two months left to pay on my loan since I have to pay 20 years. My first payment was 3/14/2000. Navient bought the loan in 2006 and called that a new disbursement on 5/24/2006. However, I had no control over that. I believe NelNet sold my loan to Navient. Actually, I'm still unclear where the nine years two months is coming from unless they meant 25 years but told me 20? I have been paying on an IBR plan for 5 years.