I took out a private loan (with a lower interest rate) and used this to make a lump sum (albeit small) payment when I first started repaying my loans. I then started making the “10 year standard repayment plan payments”- paying the full amount. It sounds like my last year of payments won’t count towards the PSLF 120 payments as my account was “paid ahead”- is this true? Anyone with a similar situation?

I am now transitioning to income based repayment with plans to take advantage of Public Service Loan Forgiveness am am trying to figure out if a NHSC Loan Repayment or PSLF would be more advantageous.

Thanks!!