There are a lot of different versions of these income-based repayment programs, dating back to the early 00s at least. They are all structured similarly but hav

There are a lot of different versions of these income-based repayment programs, dating back to the early 00s at least. They are all structured similarly but have differing eligibility cutoffs and rules. Typically they involved making payments on your loans for 20-25 years at some maximum % of your income before the remaining balance is forgiven. PSLF has a shorter forgiveness window (10 years) but you need to make 120 payments while working some job that is socially useful but not-market-optimal like public service or working for a nonprofit. FWIW, IBR systems they are a common policy suggestion from both conservatives and liberals (with differing priorities / rules).