Of course, it will depend on your financial condition as of the date of the actual forgiveness, which might be better or worse. But definitely keep it in mind, and keep pursuing the forgiveness. Obviously, even paying $6000 of tax is better in the long run than paying $40,000 of loans with interest.
Also, just a note about disability: if you can work 20 hours a week, you are not disabled for IRS purposes. For the IRS, disabled means unable to perform any gainful work. You may of course be disabled for forgiveness purposes, which is a separate set of rules.
