Why does it seem like forbearance had zero impact on my student loans? Is the calculator I used wrong? I began paying my student loans in February 2019, so 4 years and 5 months ago. I also paid them all throughout the Covid forbearance period. I just put the current loan information into a calculator to see when I’ll pay them off and it said I’m going to be paying them for another 5.5 years. If this is accurate I’m not sure what I did wrong as pa…