I think you might feel differently if you'd actually read the documentation as it existed 8 years ago (I've not looked at this in years).

Or talked with customer support agents for the program that who told my wife that a formal loan forgiveness application was not required, and would be a waste of time. Just meet the criteria and apply when your 10 years were up.

But what those criteria were was not described clearly enough to make 10 year plans on. And the general confusion was so massive, the program so obviously a shambles, that we decided there was little chance that the program would survive, and passed on it.