Loan forgiveness can start at different times depending on your loan type 

For federal student loans, loan forgiveness can start after you have made payments for a certain period of time under an income-driven repayment plan. 

There are four income-driven repayment plans: Pay As You Earn (PAYE), Revised Pay As You Earn (REPAYE), and Income-Contingent Repayment (ICR) are four different repayment options 

Your monthly payment amount is determined by your family size and income under these arrangements, and any outstanding debt will be canceled after 20–25 years of payments.

For public service loan forgiveness (PSLF), loan forgiveness can start after you have made 120 qualifying payments while working full-time for a qualifying employer 

Qualifying employers include government organizations, non-profits, and other types of public service organizations. 

After 120 qualifying payments, the remaining balance on your federal Direct Loans can be forgiven. 

It’s crucial to remember that loan forgiveness is not a certainty