What payment plan are you on exactly? IBR has a 25 year payment term. Do you mean the pay as you earn plan?

Remember that the forgiven amount is considerable taxable income. Assuming an income of $35,000 and a 5% interest rate, the calculator at studentloans.gov says you'll pay a total of $67,000 over the 20 years and $76,000 will be forgiven. If we assume you're in the 25% tax bracket, you'll owe an additional $19,000 to the IRS. Total of $86,000 paid.

Standard 10 year repayment total cost is about $96,000. So on paper you'll come out ahead and of course inflation makes those future payments and possible taxes less painful.

What sucks is that you'll be carrying a large amount of debt until forgiveness occurs.