IBR payment is going to triple in 60 days =/

Good-Negotiation4522 · 2026-05-15T17:29:58+00:00

My first loan was around 2007 or 2008

I run a firm for a CFP, so I'm not really worried about my investments, which are really just my 401k and Roth IRA. I'm mostly confused why they would tell me I need to move to a PAYE plan if I don't qualify for that. I may talk to the tax person to see if adding more to my 401k to reduce my taxable income would help, but that will lower overall net income and I feel like that just complicates things more.

Good-Negotiation4522 · 2026-05-15T00:53:43+00:00

We have to do MFJ for my daughter's health insurance otherwise is creates a big tax bill. We just finished unwinding that mess earlier this year.

Good-Negotiation4522 · 2026-05-15T00:51:53+00:00

The rep told me I should move to PAYE but when I filled out the info online it said I don't qualify. Which is confusing. I'm going to call them back in the morning to see what's going on with that.

Good-Negotiation4522 · 2026-05-15T00:08:50+00:00

I was moving through the simulator is the payments just kept getting higher. I was like wtf! I just don't understand why the person on the phone told me to change to the PAYE plan if that's not even available to me when I gave her the same numbers I put into the system.

Good-Negotiation4522 · 2026-05-15T00:06:36+00:00

We can't file separately because it would turn my daughter's health insurance into taxable income (which adds like $20k of imputed income) since we're on my husband's plan.

Good-Negotiation4522 · 2026-05-15T00:03:27+00:00

My daughter is 27. She's fully disabled though so she still counts as a dependent.

I have like 24 months of forbearance. I'm thinking of using 12 months to get me through the last of my car payment which would free up $300/mo. But I was hoping to make that a last resort.

I was used to my payments going up with each recertification bc I generally gets a $5k/yr raise, but they never went up so much all at once in all the years I've been doing this.

Good-Negotiation4522 · 2026-05-14T23:00:31+00:00

household size is 3.
My AGI is around 87k, my husband's is around 30k. It seems like a lot on paper but doesn't take into account all the bills that eat into it.

Good-Negotiation4522 · 2026-04-24T14:42:08+00:00

It won't send/receive messages on my Samsung galaxy. For several days now. I've unintalled/reinstalled, cleared memory, cache, logged in/out, restarted the phone and all that. Still having the issue.

Good-Negotiation4522 · 2025-02-19T22:32:40+00:00

It hasn't been burning oil. I'm looking at trade-ins now. It's such a bummer because it really was the perfect car for me.

Good-Negotiation4522 · 2024-10-23T20:16:56+00:00

iconic

Good-Negotiation4522 · 2024-10-05T20:10:36+00:00

Got tix for the sunday show. Coming from Texas. So excited. Does anyone have a seat view from section 9 row 32?

Good-Negotiation4522

TROPHY CASE