Does anyone have experience with Public Service Loan Forgiveness? You have to make 120 "qualifying payments" (on time, 1 per month) on your student loans and after those payments are made, the rest of the balance of your loans is forgiven (although you do have to pay taxes on what is forgiven). I have $28,020 left on my student loans and my monthly payment is $302.20. So far I have made 38 qualifying payments, which puts me at a little less than 7 years away from my loans being forgiven. My question is: Does it make sense to wait for forgiveness or would I save money by paying them off now? Before I got married, my payment was only $120/month, but after getting married and combining incomes, my payment went way up and I'm not convinced that it makes sense to wait on the forgiveness as I could be paying more overall by waiting. Thanks!