Waiting on Public Service Loan Forgiveness? You May Want to Consider an Alternative Repayment Plan. According to a recent article, switching repayment plans could help you wipe out your student loan debt faster. Public Service Loan Forgiveness (PSLF) is a program that forgives federal student loans after 120 qualifying payments. However, some borrowers may find it challenging to reach this milestone due to various reasons such as income-driven repayment plan changes or not being enrolled in the correct payment plan. Source: https://www.cnet.com/personal-finance/loans/waiting-on-public-service-loan-forgiveness-you-may-want-to-dump-save/#ftag=CAD590a51e