Most ppl on PLSF end up not getting remaining balance forgiven after 10 yrs due to wrong loan, wrong payment plan, job not qualify, etc...and govt at whim can cancel program at anytime. Look at the number of actual loans forgiven by PLSF each year...its minuscular.

Also PLSF at best save you from paying the interest on the loan and some of the principle that you already would have paid off a good amount even on the income based payments for a lot of work and hopefulness it works successfully vs. get a high paying job in private law practice that pays off loan in a few yrs

Look at the PLSF rates during the last Republican President. They hate the program and find every reason possible to deny applicants their rightful forgiveness money. You're playing a dangerous game that it'll be a Democratic President in the White House when it's your turn.

This was several years ago. Rules changed recently to be a lot more lenient because only 7000 people had managed to get relief previously.

https://www.nlc.org/article/2022/08/08/the-limited-pslf-waiver-a-game-changer-for-city-employees/#:~:text=Crucially%2C%20there%20is%20no%20income,fully%20forgiven%2C%20tax%2Dfree.

Maybe she was incorrectly kicked off and could have fought it.

But by that point she was so sick of paying federal loans at the insane rate when she could refinance to private at 2% interest that she just did that.

Yeah, under the new guidelines and knowing student loan forgiveness was coming, maybe thing should have been different. In 2019, she just got slapped in the face that after working toward this for almost a decade and accruing interest at the high Federal rate she wasn't going to get it and just gave up.

Meh, she'll get by. But being in your late 30s and still paying student loans sucks.

You keep saying PSLF as if it's some great solution, but I'm giving you an example of why professionals don't want to go through the shit required to get PSLF.

You just don't want to hear it. Fine, but then suck it the fuck up when you wonder why you can't get a doctors appointment or anyone to represent you in court.

LOL, who do you think is losing here? The professionals will be fine. You'll be left crying you can't get their service for free and facing the consequences.

What makes you think it's OK to basically scam the few intelligent, hard working people that are giving up more money to work for underserved communities like you want, by fucking them over? And could you maybe imagine some longer term consequences of PSLF getting this reputation, maybe on future professionals deciding whether to pursue it?

going to med school can cost like a million dollars. the payments on that can make $300k look like $40k.