 If I owed $50,000… Nope, because that would be three years for every 10 grand. They're paying off $10K a year. Yeah, yeah. And each 10K owes you three years. That's a lot. That's why I don't know if it accumulates. I'm guessing is you just have to stay three years beyond whatever they forgave. Yeah, it's a $3,300 raise a year. I don't know.