[molson]

There's a lot of different types of student loan forgiveness, but one angle of it that's not mentioned a lot is that the PSLF public service forgiveness was a Bush-era program that seemed simple - make qualifying payments for 10 years while working in public service and the rest is forgiven.

But the implementation was so botched under Obama and Trump that very few people actually got the benefit of the deal they signed up for - the private loan servicers kept changing and then lost documentation of payments, borrowers were encouraged to go into non-qualifying payment plans, applications submitted would just never be reviewed, it was an administrative mess. Biden's administration basically put the onus on government to "count" more months in more circumstances, particularly when the loan servicers dropped the ball in doing so.

It took me 16 years to get forgiveness when they promised 10, but, I was sure happy to get that email.