• If you are starting residency/internship or joining the Peace Corps or AmeriCorps, it is better to get on an IDR plan to get that time counted towards forgiveness.
    - Often times, you can get $0 payments which is effectively the same thing as forbearance.

  • Servicer’s sometimes mistakenly report forbearance periods as late payments to the credit agencies.
    - Check your credit annually to make sure there are no irregularities.

  • Being in forbearance causes DTI to be calculated at 1% of .5% of total student loan balance, hurting your chances of getting approved for a mortgage.