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I think the COVID forbearances really made that more possible than before though. If that hadn’t happened, people wouldn’t have been able to go five of their ten years without making any payments; PSLF you still have to be on an income based plan for those 10 years. I’m not denying some people do creative accounting and get their AGI as low as possible to minimize their payments (and they should, that’s no different than utilizing the tax loopholes). I was more referring to the 20-25 yr taxes at the end plans that most vets are using. The whole premise of PSLF is that you get the better perks because you’ve done public service and didn’t take higher paying private jobs. But it’s a good call out that it does vary.I think it depends. This is probably the minority of people, but I do know a small handful of people that got creative (or maybe just smart?) about their repayment approach in the context of PSLF and are set to pay essentially nothing of their initial balance before it's all forgiven. If that still happens. My coworker is doing this and I believe her 120th payment is imminent so I'm very curious to see how it plays out for her


