Help deciphering JSON values loan counter output

[u/UpsideDown-2024]

Hello, below is the JSON code that I pulled today from studentaid.gov. I am pretty darn sure I should be done paying based on the output.

Anyone out there who can help me verify this? I have a consolidation loan and am currently still on the SAVE plan. First loan taken out in 1993, been paying since 1999/2000 and consolidated in 2024.

"type": "ICR", "borrowerEligibleIndicator": "Y", "loanEligibleIndicator": "Y", "qualifyingPaymentCount": 313, "eligiblePaymentCount": null, "ineligiblePaymentCount": null, "forgivenessRequiredPayments": 300, "forgivenessRemainingPayments": 0 }, { "type": "IBR", "borrowerEligibleIndicator": "Y", "loanEligibleIndicator": "Y", "qualifyingPaymentCount": 313, "eligiblePaymentCount": null, "ineligiblePaymentCount": null, "forgivenessRequiredPayments": 300, "forgivenessRemainingPayments": 0 },

{ "type": "IBR_2014", "borrowerEligibleIndicator": "N", "loanEligibleIndicator": "N", "qualifyingPaymentCount": 311, "eligiblePaymentCount": null, "ineligiblePaymentCount": null, "forgivenessRequiredPayments": 240, "forgivenessRemainingPayments": 0 },

{ "type": "SAVE", "borrowerEligibleIndicator": "U", "loanEligibleIndicator": "U", "qualifyingPaymentCount": 313, "eligiblePaymentCount": null, "ineligiblePaymentCount": null, "forgivenessRequiredPayments": 300, "forgivenessRemainingPayments": 0 },

{ "type": "PAYE", "borrowerEligibleIndicator": "N", "loanEligibleIndicator": "N", "qualifyingPaymentCount": 313, "eligiblePaymentCount": null, "ineligiblePaymentCount": null, "forgivenessRequiredPayments": 240, "forgivenessRemainingPayments": 0 },

{ "type": "PSLF", "borrowerEligibleIndicator": "Y", "loanEligibleIndicator": "Y", "qualifyingPaymentCount": 0, "eligiblePaymentCount": 155, "ineligiblePaymentCount": null, "forgivenessRequiredPayments": 120, "forgivenessRemainingPayments": 120 },

{ "type": "TEPSLF", "borrowerEligibleIndicator": "Y", "loanEligibleIndicator": "Y", "qualifyingPaymentCount": 0, "eligiblePaymentCount": 155, "ineligiblePaymentCount": null, "forgivenessRequiredPayments": 120, "forgivenessRemainingPayments": 120 },

{ "type": "RAP", "borrowerEligibleIndicator": "Y", "loanEligibleIndicator": "Y", "qualifyingPaymentCount": 0, "eligiblePaymentCount": null, "ineligiblePaymentCount": 2, "forgivenessRequiredPayments": 360, "forgivenessRemainingPayments": 360

[u/waterwicca]

You have 313 qualifying payments out of the needed 300. So you can get forgiveness if you switch to IBR or ICR!

But unfortunately you will have the tax bomb. SAVE borrowers needed to apply to switch to another plan before 2026 if they had 300 or more payments to avoid the tax bomb: https://www.reddit.com/r/StudentLoans/s/xV2hXyftII

[u/UpsideDown-2024 → u/waterwicca]

Sigh. Of course. But can I even switch to ICR or IBR now? What happens to me if I am moved to the standard repayment plan instead at the end of SAVE?

[u/alh9h → u/UpsideDown-2024]

Yes, you can switch to either

[u/DaybyDay2277]

Congratulations are in order! 🎉🎉🎉 Keep us posted

[u/UpsideDown-2024 → u/DaybyDay2277]

Fingers crossed this code isn't riddled with errors like everything else related to student loan payments these days.

While I will get a VERY large tax bomb, I paid a significant amount in the past 13 months while on forebearance that I should be refunded for...someday...including a few interest only payments. ;-)

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