"; } else if (employment === "teacher" && repaymentYears >= 5 && paymentsOnTime === "yes") { result.innerHTML = "

You may qualify for Teacher Loan Forgiveness after 5 years of teaching service.

"; } else if (employment === "disability" && loanType === "federal") { result.innerHTML = "

You may qualify for Total and Permanent Disability Discharge (TPD).

"; } else if (repaymentYears >= 20 && repaymentPlan === "yes" && paymentsOnTime === "yes") { result.innerHTML = "

You may qualify for forgiveness through Income-Driven Repayment (IDR) plans after 20-25 years of payments.

"; } else if (consolidated === "yes" && repaymentYears >= 20 && repaymentPlan === "yes" && paymentsOnTime === "yes") { result.innerHTML = "

You may qualify for forgiveness through Direct Loan Consolidation forgiveness after 20-25 years of payments.

"; } else if (repaymentYears < 5) { result.innerHTML = "

It appears you haven't been repaying your loans long enough to qualify for forgiveness yet.

"; } else { result.innerHTML = "

Based on the provided information, you may not qualify for student loan forgiveness at this time.

"; } });