If I have been making student loan payments on time for 15 years. My loans were sold over the years from one lender to another. The last one was Nelnet, which is not considered a lender for Loan Forgiveness application. I qualify for Loans Forgiveness after working 10 years as a Nurse Practitioner. I have to start the count again for another 10 years to qualify for Loan Forgiveness because of Nelnet. This company does not disclose its true nature. User's recommendation: Seek a qualified lender for loan forgiveness.