So if I enroll in the save program, will I still qualify for the 20yr forgiveness (including periods of forgiveness). I have 70k in standard repayment plan and another 14k in private. I am overwhelmed and confused by all the information and options. I don’t know what applies to me other than I make more than the 62k and have a household of 2 but struggle to make ends meet each month and can’t afford home purchase or rent.