Loans · Calculator
Student loan forgiveness timeline
Estimate when 120 qualifying payments for Public Service Loan Forgiveness, or an income-driven repayment term, would be reached based on payments made so far.
Payments remaining
84
36 of 120 counted.
Earliest completion
November 2033
Assumes one qualifying payment every month from the next payment month, with no gaps.
Assumptions and limits
- Counts calendar months only; assumes every future payment qualifies.
- PSLF requires 120 qualifying payments while employed full-time by a qualifying employer; IDR terms are 20 or 25 years depending on plan.
- Programme rules change; check studentaid.gov before relying on a date.
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This is an estimate for orientation, not advice. We confirm the position on your facts before any filing.
Written by the US UK Expat Tax advisory team. Last reviewed 7 November 2026
Primary sources checked
General information, not personal tax advice. Rules and thresholds change; we confirm the position for your facts before any work.
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