I graduated pharmacy school in 2014. Before graduating, I paid around 140k to my loans from an inheritance thinking it would be better to pay them early. My university or financial aid adviser never told me that that would not be a smart financial decision. Nor when I started working at my current employer, a 501- 3c exempt, was I informed about how PSLF could benefit me. I have several other pharmacist who have worked extra jobs in order to get debt paid off faster. Only now do we find out that we have two fellow employees who are on PLSF. We all graduated with relatively the same amount of debt. The people on PSLF are paying about $1100 per month for ten years=== 132k. If I had to money to pay my loans in full right now– I would have paid 208k. But since I did not pay them the bare minimum for ten years– I do not qualify to be forgiven, even though we all make the same money generally speaking. How were we not told about this? I could have saved myself 80k at the least. Someone please tell me that there is a catch to this or that they will make exceptions. I am sick.
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