Democrats propose the SOAR Act to protect income-driven repayment benefits after the SAVE Plan was blocked. Here’s what the bill does—and its chances in Congress.

To be eligible for PSLF, you must "work full time at a qualifying organization and make 120 on-time loan payments," after which forgiveness is granted, said LendingTree. Further, "those payments must be under a qualifying repayment plan, such as an IDR plan or extended repayment plan."