Thank you so much for the time and effort you are putting into helping people get the information necessary to pursue loan forgiveness.  I wasn’t able to stay to the end of the webinar last week to get my questions clarified, but I was hoping you would be able to help me.  I currently have $16,325 in FFEL consolidated loans that I have been paying on since 2004.  It was $23,277 when I started.  If I understood the info correctly, I am paying on the right type of loan, and I know I work for the right kind of company, but what I am not sure about is whether or not I need to be in IBR to have the payments be the right kind of payments.

You are most welcome.  Yes, IBR is the repayment plan that helps borrowers earn PSLF.  You’ll want to work through the Borrower Action Plan on my Tools page and use the calculators to see whether or not you qualify to choose IBR.  Your debt level sounds like you may not actually have much to gain, but it’s important to crunch the numbers to see.