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However, you must work an average of at least 30 hours per week each year, or at least the number of hours that your employer considers to be full-time work.
Loan eligibility is another area in which you have to be careful.
As of the writing of this blog post, the value of loan forgiveness is limited only by the amount of eligible loans that you’ve accumulated.
(See below to learn about which loans are eligible.) Of course, you’ll have to make payments for 10 years as part of the deal, so your balances could be significantly lower by then.
Additionally, only payments made after October 1, 2007 count as qualifying payments.
For many debt holders, REPAYE, PAYE, IRB, and ICR likely make the most sense for maximizing the amount forgiven at the end of the 120-month period.
Anyone with balances exceeding this amount may have to wait 25 years for their student loan balances to be forgiven.
Yet, since these proposals haven’t gone into effect, be sure to follow our blog.
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So, beware: this kind of “reconsolidation” can reset the count if you’ve made qualifying payments in the past.However, forgiveness changes with limitations may be enacted soon.
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