No. This isn’t a Public Service Loan Forgiveness. This is a PAYE (Pay-As-You-Earn), which is a 10 year plan that lets you pay 10% of income for 10 years, and upon completion, forgives the loan balance, but you have to pay tax on the forgiven amount.

$270,000 in student loan. Not consolidated and it’s spread across 8 loans (4 years, 2 loans each). I’m at Pay As You Earn which is a 10% of income auto-payment plan. 10 years after not missing a payment, I get loan foregiveness with requirement to pay taxes on the amount forgiven.

Because of this my $65500 salary…

Two possibilities.

You’ve reinvented ssamjang: https://www.google.com/search?q=ssamj…