As of fall 2012 all PSLF qualifying payments under IBR, PAYE, or the 10-year repayment schedule, only count if made within a 20-day period before and on the due date. Payments made after the due date or before that 20-day period do NOT qualify for PSLF. Please check with your loan servicer and consider arranging auto-debit at a day the month that falls within the PFLF qualifying 20-day period.