These problems arise because the temperature response is not just a response to the forcing a given number of years ago, no matter what the interval. (skepticalscience.com)
After a certain number of years of consistent payments, the remainder of the loan is forgiven. (studentloans.net)
Generally, student loan forgiveness is excluded from income if the forgiveness is contingent upon the student working for a specific number of years in certain professions. (finaid.org)