@flexghost
I was very surprised to receive a letter from ED saying my balance was forgiven.
I hadn't applied for anything.
My balance was down to less than 2k, so I figured I would just continue paying the $100 a month I had been until it was all paid.
The letter I received said something about loans on the books over 20 years old qualifying for forgiveness (I'd been paying since the late 80s).
The letter also stated the forgiveness was back dated to 2014, so I would receive a refund of payments made since then.
It took a few months, and honestly I didn't really expect anything and forgot about it.
I was actually shocked when a nice sized check arrived a month ago - and it's not taxable under federal or our state's tax system (each state decides this individually).
A rare win for me, and I'll take it.
Apply if you haven't, is my advice.