Thank you for quoting the form. It’s 120 full on-time payments completed in no less than 10 years. You can miss payments. But your loan must not be in default.

Thank you for quoting the form. It’s 120 full on-time payments completed in no less than 10 years. You can miss payments. But your loan must not be in default. Yes, the many people claiming that a single missed payment will disqualify you are factually incorrect.