Do the 3 years of the COVID student loan pause count towards the loan forgiveness for the standard loan payments plan?


There are 2 kinds of repayment plans—the kind that are designed to pay your loans off after x number of payments and the kind that base your payments on income which may or may not pay your loans off, but will forgive whatever is left after x number of payments.

IDR plans are the latter—PAYE, REPAYE/SAVE, ICR and IBR all calculate a payment based on income that may or may not pay off the loan (that is not the goal) and promise to forgive whatever (if anything) is left after a certain amount of payments.

The standard (10 year), graduated, extended fixed, extended graduated are all pay off plans.

So, if you are on a (10 year) standard plan that plan is designed to pay your loans off over 120 monthly (10 years of ) payments. The 3 years of the pause were a pause. So you would have however many payments remaining as you did before the pause. Because you are still paying your loans off—you are not on a forgiveness path.


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