Kate Wood

You really want to maximize the amount that is forgiven.

Minimize the amount that you're actually paying.

Again, though, because of all these changes, if she were to take out new loans for this grad program, assuming that she's starting the grad program in 2026, so that would count as

not only new loans, but new graduate program.

We are not under the old rules that would change everything.

And again, those loans will have their own tenure timeline.

That's a whole other thing to consider.

There is so much to think about.

And I'm sorry for throwing out so many numbers.

So forgiveness is meant to be automatic.

So basically servicers are going through at the education department's direction, are going through records saying, okay, these are the people who've met this goal at this time.

That said, things have been moving

incredibly slowly.

And we have seen a lot of issues with forgiveness being dispersed, not necessarily in terms of PSLF forgiveness specifically, but just overall.

So we've been in a situation for

several months now where we were in a situation previously where forgiveness was not being processed at all.

So one of the ongoing lawsuits against the education department was brought by the American Federation of Teachers.

They have been really strong advocates because in particular, PSLF is something that very much affects their membership, right?

Teachers are

heavy users of the PSLF program.