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Hello, I originally went to school in 1992 where I borrowed for my first undergraduate degree. I then went to another school in 1996 which I graduated from in 1999. These are all the undergraduate schools I attended period in 1999 I started my Master’s Degree and graduate in 2003. Now I thought the student loan forgiveness period starts when the money is dispersed. Or am I wrong in thinking this and the student loan forgiveness period starts when repayment starts after school is ended?