 If I owed $50,000... Nope, because that would be three years for every... They're paying off $10,000 a year. Yeah, yeah. And each $10,000 owes you three years. That's a lot. That's why I don't know if it accumulates. I'm guessing you just have to stay three years beyond whatever they forgave. Yeah, it's a $3,300 raise a year. Right.