Hey Heather. So after I graduate, I’m going to be starting my own non-profit to provide educational programs. I know it should quality for PSLF, but that got me wondering about something else: Suppose I sign up for IBR (since it’s the only one I’ll be able to afford, to be honest), and my monthly payment is $0. Since I’m taking PSLF at the same time, and I need to make 120 monthly on-time payments, will those monthly payments of $0 count towards the 120 total?

I just also want to say, thank you so much for doing this!! You are nothing short of a godsend for students in need.

You are most welcome. 

Yes, when a borrower’s calculated payment due is $0, $0 counts as a payment!