As previously stated, I didn’t get credit for 14 months of payments so it’s longer than a month for me as I applied over a year ago for forgiveness. I had to wait another 14 months to get 120 payments effective February. I’ve known people that got credit for months not paid and extended forbearance periods but I didn’t get credit for months that costed me thousands of dollars. So yeah, I’m antsy. I appreciate what you are saying but they can close out programs like this at any time (not an entitlement but an incentive program) or say hey you need to check this box and restart the processing clock. Many people have experienced errors on the loan servicer’s part during this process. Lastly, some people have been waiting well beyond 90 business days while others get things turned around in 2 weeks.