I graduate next week and am doing a residency (maybe 2?) so will being going on IBR for at least 1-2 years. Since I have an AGI of 15k right now, my payments for the next 7 months would be $0.00 a month for the next 7 months and < $100.00 a month for 12 months after that.
Is it true that these $0.00 "monthly payments" and tiny IBR monthly payments count toward the 120 months for PSLF?
The reason I am asking is because I only have about $60k in student loans so PSLF didn't really make sense. But if 18-30 of the 120 payments are < $200.00 it might end up saving about $10k vs. just paying it all back in a few years to minimize interest.
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Starting Loan Repayment Immediately?
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