![]() I do not need to enter anything or change anything in this tab. The third and final 'Simulation' tab is the back end that makes the spreadsheet work. All of the other options would cost at least $10,000 more. The two best options to us were PSFL and private refinancing. We checked with her loan servicer to make sure she was not eligible. I decided to include it in the spreadsheet just in case. Unfortunately, my girlfriend does not qualify for the PAYE plan because she had loans before October 2007. After 120 qualifying payments, we could apply for tax-free forgiveness for the balance of the loan. Public Service Loan Forgiveness (PSLF) requires us to sign up with one of the four major options.
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