Our daughter used the IBR program when she first graduated with her Masters in Social Work, and continued using it until she became a nursing home administrator. When she applied for and was approved for IBR, she received both an email and a letter so stating. Anyone for which confirmation cannot be produced they have been continuously making payments for the required 20-25 years should not have their remaining debt forgiven. I completely support correcting prior record keeping deficiencies and forgiving those who did. The individual met all the mandated requirements for forgiveness and should not be punished because some career lackey didn't do their job correctly. Everyone else can pound sand and pay their debts.