u/Illustrious_Back6141

Hello everyone. I finally reached the 120 qualifying payment threshold on my consolidation loans in StudentAid.

My account now shows 120/120 qualifying payments and 0 remaining, but it also says, “You’ve reached 120 payments, but you may need to meet other program requirements.”

I’m trying to understand what happens next.

Do I need to do anything else right now, or is this just the waiting stage for final forgiveness/discharge?

Should I still make my next payment while this is processing, or should I ask for forbearance?

Also, how long did it take for your balance to go to zero after reaching 120?

Thanks.