Note:If you consolidate before June 30, 2024, your prior payments WILL count for both IBR forgiveness and PSLF forgiveness (through the one-time payment count adjustment). However, once the waiver expires, consolidation would reset the clock again.THIS IS IMPORTANT - CONSOLIDATE YOUR LOANS BEFORE...
Late payments and partial payments were also allowed to count. It used to be if you missed your payment by one day or by one penny (apparently it was pretty common), it didn't count toward your 120 payments. Now, PSLF is more lenient. Every month on active duty counts too, even if ...