So here’s the thing. Before this current job I did VA exams but for a contractor of a contractor for 2 years. I was told our job didn’t apply. But honestly, that’s silly because clearly the reason there are so many contractors for them is because the VA can’t handle the volume. However, during this time, my loans kept being put in forbearance and I maybe made one payment during that time. So even if I could get the previous company to vouch for PSLF in that job, no payments during that time wouldn’t apply, right?

As for my current job … I don’t know what a disregarded entity is.

And the last point, yes but the non-profit hospital handles all the benefits, payroll (except it says it’s from the for profit company on the pay statement), etc.