This might be premature but I want to see if anyone knows…

I understand this plan will cover all unpaid interest so if for example and m4 filed taxes w/ 0 (or low) income, their monthly payments for at least the first 6 months of intern year are $0, and the $1750 of monthly interest on e.g., a $300k loan disappears so by not making any payments they still have a balance of $300k after that time.

But what happens if one pays more than the minimum?

I would think, logically, since that interest would have been forgiven anyway, that payment would be incentivized by having it go directly to the principal. Otherwise borrowers would be disincentivized from paying more than the minimum as that would just disappear into a black hole of paying down interest that would have been forgiven.

However, I have not seen confirmation of this idea on any of the gov site posts w/ brief explanations of this plan. Maybe its somewhere in the 400 pg detailed doc.

Anyone seen confirmation?? Thanks.