The PSLF program requires 120 “qualifying payments” for a borrower to achieve loan forgiveness. Previously, only Direct federal student loans, and certain types of repayment plans based on a borrower’s income, would count towards a borrower’s student loan forgiveness term under PSLF. Due to a combination of confusing eligibility criteria established by Congress, poor facilitation by loan servicers, and a lack of oversight by the Department of Education, many borrowers who thought they were on track for PSLF were not actually complying with the program’s rules. Other student loan borrowers were doing everything right, but encountered bureaucratic red tape and other administrative issues that caused payments to be rejected. As a result, the PSLF program has long suffered from low approval rates.