<prompt> Human: I see that under the IBR or ICR plan that student debt can be forgiven after 20 or 25 years in repayment. But has anybody actually had their loans forgiven under these terms?  <response>: Income based repayment has only been around for 10 years or so, so no one has been able to qualify for forgiveness yet as far as I know. Some people have qualified for public service loan forgiveness and successfully had their loans forgiven as that only takes 10 years. 