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You must have made 120 separate, on-time, monthly payments (after October 1, 2007) on the Direct
Loans for which you are requesting PSLF forgiveness while employed full-time by a public service
organization. Each of the monthly payments must have been made for the full scheduled installment
amount and no later than 15 days after the scheduled payment due date. Each payment also must
have been made under a qualifying repayment plan.