Surviving Debt: The Adjustment Is Automatic for Most Borrowers but Others Must Act
If your loans are all held by the Department of Education, then you do not need to take any additional steps to get credit under the payment count adjustment. But if you don’t have enough time to have your loans forgiven under IDR or PSLF loan forgiveness after the account adjustment, you will need to sign up for an IDR plan going forward if you want to keep earning credit toward IDR or PSLF loan forgiveness.