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If it's income driven it doesn't really matter when it all gets forgiven
Downvotes with no reply. Brilliant. Explain how I'm wrong....if you're in ibr for 20 years it all gets forgiven.
I don't know what you mean by "it doesn't really matter", but I'm assuming because it got forgiven, you don't have to pay it. However, the forgiven amount is seen as income by the IRS and subsequently taxed. The higher the amount due to interest accrual, the higher the tax.
This is correct. While someone's $50k of student loans could be "forgiven", it means that year they will have an additional $50k worth of "income" on their taxes and will be taxed like any regular income would.
Also! You do need to make payments, and $0 is not considered a payment. You need to set up $1/mo payments on all your outstanding loans for them to count. Not that you go 10 years making $0 only to be told nothing counted.
Maybe one of the best examples of "the cruelty is the point." Jesus.