So, I’m 49 and reading all these golden letter posts stating complete forgiveness. I have two FFELP loans that are 20 years old and both are at 2.75%. I never even thought about consolidating into a Direct Loan because I figured the interest rates would sky rocket. So during COVID and for 20 years I’ve paid the $763.63/month and that included the interest. I didn’t take advantage of zero interest during COVID as again I thought I’d get screwed in the end with higher interest rates if I consolidated. I also didn’t consolidate into a direct loan prior to June 2024 and so I believe I may have been eligible if I had for the one time adjustment. It appears my weighted average of I had gone to a direct loan may have only been 2.85%. Did I miss the boat entirely?!