<prompt> Human: If you pay loans through IBR, does it have to be 10 years consecutive for your loans to be forgiven? Lets say I use IBR for 8 years. Then I go to school for 4 years. Do I have to IBR again for 10 years or just 2 years?  <response>: IBR forgiveness isnt until after 25 years. Not sure if it needs to be consecutive. 