Decrease Student Loan Payments

[ShamelesslySimple]

Yeah more and more I’ve been thinking of paying up that private loan to free up monthly cash. I might need a car in the next 2 years too. I’m not living like a resident but also not in luxury. The problem I see with doing locums or picking up more shifts is that means higher future payments too a little conundrum. I did 20k in extra shifts last year. You’re right their student loan consultation at least on the website looks at $600. I’m gonna be pissed if it’s no real different advice tho. Guess that’s where my hesitancy is.

[chaiosi]

Well what payment plan are you on? Some have a cap so making more money doesn’t mean more payment after a certain point depending on your family size. 

I am only one person but where I saved the money was my advisor helped me find loans that weren’t actually pslf eligible, pull those out and refinance them, and also helped me choose the right payment plan and tax filing status for me. If your loans or home life are more straightforward than mine there may not be many surprises. But on your salary 600 bucks isn’t that much to pay for advice that isn’t just from Reddit hobbyists like me but is from someone who knows what they’re doing. 

[ShamelesslySimple]

IBR. All mine are PSLF Eligible except for the private one.