PSLF Forgiveness $80K timeline
I've enjoyed watching timelines near and at the end, so I'll share mine. Disclaimer: never fell into the SAVE trap. Most recent servicer is Aidvantage. On PAYE.
April 2026: Auto payment #119 followed by canceling auto-pay.
May 1, 2026: Made #120 manually, actual due date May 8.
May 11, 2026: submitted final PSLF form checking "I made 120 payments."
May 13. 2026: Green ribbons
June 1, 2026: called Aidvantage to be placed into forbearance. A bit scary. Read me a list of disclosures. It was approved and reflected same day on the servicer site.
June 25, 2026: Letter found in FSA indicating servicer would be notified of PSLF qualifications.
June 26, 2026: $0 reflected on Aidvantage.
June 27, 2026: Golden Letter from Aidvantage (inbox) reflecting Congratulations and zero balance loans!
July 6, 2026: Zero balance and dancing emoji's on FSA!
I followed the rules frequently and stressed plenty about this program and process. Consolidation back in 2022 (thank you Biden) to reach the highest count across all loans helped me greatly because I had a gap between undergrad and Grad school. COVID forbearance was nice as well!
Lastly, I was scheduled to recertify income in June, which I ignored.
Best Wishes to you all!