Hello All! I am a 4th year medical student graduating in May and am now starting to look into the different repayment plans for my loans. I was directed by the financial aid office at my school to a repayment calculator at studentloans.gov (https://studentloans.gov/myDirectLoan/mobile/repayment/repaymentEstimator.action) I noticed that there is a column for Project Loan Forgiveness. What is that exactly? It seems to good to be true that by doing IBR or one of the pay as you earn plans, that you would be "forgiven" for so much money! For IBR, it even had my total amount paid being less than I currently owe! Is that right??