Opened from an assistant's link.The fields hold the numbers the link carried. Check each against your own documents; change any and the result follows. The numbers sit after the # in the address, which the browser does not send to Andwise.
Where these numbers come from. Qualifying payments certified and Month full-time work began at a qualifying employer: your loan servicer's account page or studentaid.gov.
Which months count
Do residency forbearance months count toward PSLF?
No. Mandatory residency forbearance is available 12 months at a time, but those months count toward neither PSLF nor plan forgiveness, and interest accrues. Payments on RAP or IBR during residency do count if your employer qualifies.
Does RAP count toward PSLF?
Yes. On-time, full RAP payments count. Under RAP, months in deferment or forbearance never count toward PSLF.
Does Tiered Standard count toward PSLF?
The Department of Education says Tiered Standard payments do not count toward PSLF.
How does choosing a nonprofit vs. for-profit job affect loan forgiveness?
PSLF requires working for a 501(c)(3) nonprofit or government employer. For-profit hospital groups, private-equity backed practices and most independent partnerships do not qualify. Whether a for-profit offer's higher base pay makes up for the forgiveness given up depends on the balance, the rate and the income. The physician offer comparison tool sets the two side by side.
Example valuesjoinandwise.com/loans/pslf20 U.S.C. 1087e(m); Federal Student Aidchecked October 21, 2026amounts entered are masked
Questions this count leaves open
- Does my employer qualify? PSLF by employer and the PSLF Help Tool on studentaid.gov.
- What is PSLF worth at my balance? The arithmetic and each plan on your numbers.
- I was on SAVE. Do those months count? What ending SAVE changed.