Yes - excellent point. It was one I stressed all the time to my grads working in Public Service jobs. One of the things that tripped people up & hurt them with PSLF was that if they had paid more than they owed, any payments made while they were in “paid ahead” status didn’t count toward their 120 payments for PSLF. I encouraged them to request that they never be put in paid-ahead status. I think that was one of the changes they made to PSLF recently - all payments now count.
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