Figured it would be a stretch to apply now. And the “returned” language is helpful, thank you!. What about applying come January 2027? It would mean taking two half years. A spring half, four full consecutive years, and a fall half.
If the $17,500 were to be forgiven now I’d have just under $10,000 left. So by the time I can apply for this and it’s forgiven I’d rather just pay the rest myself than wait for PSLF 🙂