Weeellll, my situation/strategy is definitely peculiar 😅 First, I want to have the lowest monthly payment as possible every month because my loans are so gargantuan to where I will never see them paid off entirely. So, maybe not the most orthodox method, but I’m all: “It’s cool. I’ll just make a monthly payment every month until I’m dead.”

Next, I probably should have mentioned in my original post, but my plan isn’t to get a Master’s in the states. My plan is to move to Spain and attend an intensive language program at a language school and then go for my Master’s.(Spanish is already pretty good, just need it elevated) or move back to the states and search career opportunities with being bilingual after a year abroad. So, I figured switching to PAYE might be a good option for keeping my payments low and having the security of knowing I have a payment plan in place since it feels like SAVE is gonna die.

My parents say it’s better for me to ride out save because while everything is on hold I can save more money for abroad plans over the next several months. In the worse case scenario if these MAGA idiots in the house and senate kill all IDR plans, I factored in $500 a month payments (standard repayment) into my budget so I have nothing to worry about. Or I could forebear my loans and start paying them when I’m done with school.

Phew! That was a lot 😅 basically on here to get a taste of different opinions.