On-time payments are those that are recieved by your federal loan servicer no later than 15 days after the scheduled payment due time.
Complete payments are payments on your Direct Loan in a quantity that equals or surpasses the amount you are required to pay each month under your payment routine. If you make a payment for a month that is less than what you are required to pay for that month, that month's payment will maybe not count as one of the needed 120 qualifying repayments. If you make multiple, partial payments in a month and the total of those partial repayments equals or exceeds the needed full monthly payment amount, those repayments will count as only one qualifying payment.
Scheduled payments are those that are made under a qualifying repayment plan after your federal loan servicer features billed you for the month's payment. They do maybe not include payments made while your loans are in an in-school or grace status or in a deferment or forbearance period.
You must make separate month-to-month payments. Lump sum payments or repayments you make as advance repayments for future months are not qualifying payments. There are unique guidelines on lump amount payments for borrowers whose general public solution work is with AmeriCorps or the Peace Corps.