I am in IBR repayment, have a partial financial hardship, and am paying less each month than the interest owed. So interest is accumulating. The intent is to do PSLF in 10 years. If, for example, in 5 years I change jobs and no longer have a partial hardship, would the interest that has accrued in the preceding 5 years be capitalized to the principle? Or would it just be that any new interest that starts accruing would be capitalized?