I have recently been wondering about this and haven't been able to find any information on if my 20-25 years is retroactive being that my loans are from before these programs ever started.
I have been on an IBR for many years now but I've been wondering if my 20-25 years started before the programs started. My loan is from 2005. I've been doing IBR almost since the program started. So does my 20-25 years start in 2005 or when I started my IBR?