In your webinar you said a payment of $0 counts toward the public service loan forgiveness; I was wondering if that means you have to actually submit an electronic payment of $0 and keep a record of it, or do you just keep a record of your qualifying job and corresponding bills of $0.

You don’t have to submit anything, the dept of ed. keeps a record on your online account after you consolidate your loans. 

To view the records they keep, you just have to log in to http://www.dl.ed.gov, then click on “payment history” on the right side toolbar.  Then click the link under: “Payments that may qualify for Public Service Loan Forgiveness Program.”

My followup question is that mine has been at $0 for the past year and a half.  My income has increased, but not by much.  Does the lender automatically review your tax return and automatically make the necessary adjustments to your payments? 

I have not heard from the dept of education regarding updating my income verification, but my $0 a month payment history still qualifies for forgiveness every month.

Have you noticed if the dept is backlogged and they just haven’t gotten around to reviewing everyone’s AGI?