 It's based on the repayment plan you're in. So if for some reason you were in pay as you earn, which technically you couldn't have been in way back then anyway, but somehow you happen to be in it now, that one would qualify for 240 on-time payments in order to qualify for loan forgiveness, including grad loans and undergrad loans. If you were in revised pay as you earn, then that would be over the course of 300 months on grad loans. And it doesn't matter if you had undergrad loans,