No. of Recommendations: 1
but the strange thing is that it seems that in order to qualify towards the 120 total, they require those payments to be at least in the amount of a ten-year payoff schedule.

I don't think you are correct. From the link that you provided (emphasis added):

What is a qualifying repayment plan?

To maximize your PSLF benefit, you should repay your loans on the Income-Based Repayment (IBR) Plan or the Income-Contingent Repayment (ICR) Plan, which are two of the repayment plans that qualify for PSLF.

Other PSLF-qualifying repayment plans are the 10-year Standard Repayment Plan or any other repayment plan where your monthly payment amount equals or exceeds what you would pay under a 10-year Standard Repayment Plan.

If the IBR or ICR minimum payment is not lower than the 10-year Standard repayment plan, the theory is that you should be able to afford the repayment with your income, and shouldn't need forgiveness.

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