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Forgiveness after 25 years

Started by JWBoulder, March 25, 2020, 12:34:39 pm

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I have been repaying my loan for more than 25 years.  I want to apply for forgiveness, but have been unable to find how to apply. Can you direct me to the application for for this type of IBR?  I keep going in circles on the loan servicing websites (Navient, StudentAid.gov)

Thanks for any assistance.


There is no application for IBR. Your payments end at the end of your 25-year term.

Based on what you said here, I'm guessing that you didn't start IBR until less than 25 years ago (maybe about 5-10 years ago), and/or you consolidated your loans somewhere along the line. These events would be the start of your 25-year timeline.