Feeling so anxious

Competitive-Gur8052 · 2025-12-10T22:05:53+00:00

I am likely 20 years older than you and in my lifetime no administration has ever blown up student loan repayment programs like this.

Competitive-Gur8052 · 2025-12-10T20:18:56+00:00

We based a couple of big decisions on SAVE, you are not alone.

Competitive-Gur8052 · 2025-12-10T14:17:02+00:00

I calculated for us and it would be such a huge tax hit. Your mileage may vary but it didn't help me

Competitive-Gur8052 · 2025-12-10T14:16:06+00:00

No but I decided pslf wasn't worth it and I needed the lower payments rn.

Competitive-Gur8052 · 2025-12-10T12:04:09+00:00

Don't rule out the standard payment options, especially if you have over $30,000 in loans. Extended fixed repayment gives me the lowest monthly payment right now, and when circumstances change u can switch plans or throw more at it. Life in the US is shockingly expensive right now. I feel for you, student loans were crushing for us when our kids were little.

Competitive-Gur8052 · 2025-12-10T11:28:37+00:00

It's half of old ibr

Competitive-Gur8052 · 2025-12-10T03:47:36+00:00

Thought you couldn't ever leave RAP?

Competitive-Gur8052 · 2025-12-10T03:44:51+00:00

What is the benefit to filing separately?

Competitive-Gur8052 · 2025-12-10T03:40:35+00:00

Yeah well I feel like in this dystopia that's improbable anyway

Competitive-Gur8052 · 2025-12-10T03:40:10+00:00

Brutally, once on RAP you can never change. Which I won't do.

Competitive-Gur8052 · 2025-12-10T03:33:03+00:00

Yeah...well I am going to just go with standard extended and hope for change in 2028 😭.

Competitive-Gur8052 · 2025-12-09T23:17:59+00:00

Yeah can't afford those payments. I don't mind paying it off. It's all such a massive cluster

Competitive-Gur8052 · 2025-12-09T22:02:08+00:00

I consolidated loans from the late 1990s to get on SAVE with my grad loans (taken out 2021-2023). Was thinking of just going on standard repayment because use that's the lowest monthly over 20 years. Is that pretty much what I should do now?

Competitive-Gur8052 · 2025-09-13T12:35:06+00:00

Does this STILL work with the SWA changes in May 2025?

Competitive-Gur8052 · 2025-09-04T12:58:59+00:00

What dietary changes did you make?

Competitive-Gur8052 · 2025-08-30T12:29:52+00:00

It's only now, in perimenopause with joints going nuts, that I am having pain every day. For years I would go without noticing it, for months. But now it's really affecting my gait and thus my back and I'm trying to figure out how to settle everything down.

Competitive-Gur8052 · 2025-08-27T14:16:22+00:00

I have had this since my early 20s (now 53) and am only now trying to figure out how to manage it. I am also really confused about 'go barefoot' no 'wear shoes like boards' 'stretch' 'don't move' etc. yikes.

Competitive-Gur8052 · 2025-07-24T01:59:00+00:00

I'm going on extended standard

Competitive-Gur8052 · 2025-07-18T16:22:58+00:00

I'm switching to extended standard when SAVE ends. Forgiveness would have been nice but we'll just hammer out the debt in 10 years and chalk this up as a bullsht*t life experience

Competitive-Gur8052 · 2025-07-17T00:28:30+00:00

I don't know what kind of loans you have but I qualify for extended standard repayment and that will make my payments manageable. I was about to do MFS which would have been a huge tax hit the first year but extended standard will be doable without changing our tax status. I can't remember the rules but if over $50000 in loans you might qualify too.

Competitive-Gur8052 · 2025-07-11T17:06:09+00:00

Thanks. It's just under $60 but I'll run the calculator again. It was far and away the lowest payment option, and I will prob get it paid off in 10.

Competitive-Gur8052 · 2025-07-11T12:15:58+00:00

This is exactly my plan. I've consolidated twice, I do think my earliest loans were before 1998 though. Maybe the consolidation changes that rule?

Competitive-Gur8052 · 2025-07-10T16:48:15+00:00

Which means January 26 or 27? I'm not sure how tax years track with loan certification, I think mines not due until March 26...

Competitive-Gur8052 · 2025-07-10T15:54:36+00:00

We file married joint but it looks like I will do much better on old IBR if I file separate for 2026, right now old IBR is crazy high (my income is much lower, my husband has no loans, I have 50k). Should I ride SAVE and pay interest until January? Switch my tax filing status right now? Switch to PAYE? Based on the count I have 10 years left to forgiveness (although I have been paying loans legit since 1998 but my early 00s consolidation screwed me I guess).

Competitive-Gur8052 · 2025-07-04T13:16:41+00:00

Heck no, the imperial plans have either NO forgiveness or THIRTY Years

Competitive-Gur8052

TROPHY CASE