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Correct, which steers you toward the 20 year forgiveness path through minimum payments (or as little as 10 years depending on how much you borrowed). If so little of your payment was going to the principal that a 1% rate hike means it's all going to interest, the forgiveness path was probably the best choice for you to begin with.
Such a roundabout way to "forgive".
no arguments here
I would like to advance the position that they will do several rug pulls between now and 2044.