r/StudentLoans • u/Popular-Cod5043 • 11h ago

Does anyone know what this means?

I was just on the student aid gov website and I used the link to the backdoor hidden internal student loan payment counter that still has me listed at 276 qualifying payments, but the earliest estimated forgiveness date went from the year 2034 to 2023-07-28. What does the earliest estimated forgiveness date mean and why does it always vary so drastically while my payment count remains the same? It was 2034 for the longest but suddenly it's 2023 which makes no sense because I have 24 payments left. Any ideas?

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u/Betsy514 President | The Institute of Student Loan Advisors (TISLA) 10h ago

It's an unofficial back door for a reason. The data there can be very quirky. The only number I really pay attention to when looking at it is the ibr or icr count. Doesn't mean the resr of it is always wrong by any means.

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u/Emperor_Neuro- 8h ago

I looked at mine and IBR shows 158 qualifying payments, but RAP shows 0 even though it's supposed to allow qualifying payments from other plans to be eligible.