Student Loan After 25 Years 2025 Repayment Options. These plans allow federal student loan borrowers to see a lower payment amount. The paye plan forgives the balance of your loans after 20 years on the plan regardless of loan type.

Here’s what you need to know about getting student loan forgiveness after 25 years. The paye plan forgives the balance of your loans after 20 years on the plan regardless of loan type.