General Discussion

IDR Repayment Period
Under IDR, any remaining loan balance may be forgiven if your federal student loans aren’t fully repaid at the end of the repayment period (either 20 or 25 years). But the length of your repayment period depends on which plan you’re on.

These other periods of student loan repayment also count toward your IDR plan:

Economic hardship deferment

Repayment under certain other repayment plans

Periods when your required payment is zero

You can now access your count of IDR payments on StudentAid.gov.

https://studentaid.gov/manage-loans/repayment/plans/income-driven

It's a good deal. If you don't have any disposable income -- you didn't benefit from your education -- you owe nothing.

Unfortunately, not every loan is eligible, but a lot are.