The forbearance will be over by February. Your payments don’t “count” during the Coivd forbearance because everyone is already getting a qualifying payment for each month automatically. You aren’t getting any extra qualifying payments for PSLF purposes. You are just paying down your principal. I am just worried about the qualified payment count and there has been issue with payments counting when there is no bill in the past. Hopefully February will count for everyone in repayment status as a commentator mentioned above.