IDR (Income-Driven Repayment) Forgiveness is program for borrowers to receive forgiveness on their loans after paying on their loans for a period of time. The timeline will depend on your loan type and IDR you are enrolled in.
| Loan Type | Timeline |
| Parent PLUS Loans or Direct Consolidation Loans that include a Parent PLUS Loan | 25 years (300 months of payments) |
| Borrowers with only undergraduate loans | 20 years (240 months of payments) |
| Borrowers with graduate loans AND currently enrolled in the Pay As You Earn (PAYE) repayment plan | 20 years (240 months of payments) |
| Borrowers with graduate loans and NOT currently enrolled in the PAYE repayment plan |
25 years (300 months of payments) |