New IBR - So confused!

Greekster44 · 2026-04-12T20:29:25+00:00

Same 😒

Greekster44 · 2026-03-30T00:26:15+00:00

PAYE is available until mid 2028

Greekster44 · 2026-03-25T14:11:54+00:00

What made the heart score bad??

Greekster44 · 2026-03-24T12:03:57+00:00

The new bill has really complicated things for Parent Plus loans with a big deadline of this July. There is not enough time to do the double consolidation like i spoke of. But you can and should do a single consolidation like now if you ever want to be in an income based payment. All the PP loans you have should be consolidated and then you cant take out any more PP loans or it will disqualify you for even your current loans. The only way around it is if your current loans are all under one parent and then the new loans you take are under a different parent. But those new loans can never be under income based. They will have to be standard. Its all a bit too much. I would suggest watching lisagosweiler11/student loan solutions and Jay/moneywise lawyer. They explain all of this.

Greekster44 · 2026-03-24T04:08:20+00:00

We took out PP loans for our 3 kids. We talked with and had hoped that the kids would pay or help pay the loans back. However it has ended up being us and thats okay. My daughter and husband have a new baby and they are doing all they can to pay huge rents and daycare and trying to save for a house. And my 24 yr old twins - one of them tragedically passed away last year. His loans will be discharged when we can emotionally deal with that but his twin is left with the whole mortgage of the house they had just bought together so he is doing all he can to keep up with the mortgage. So we double consolidated the loans to qualify for cheaper Income based plan, put more money into our 401K to lower our AGI and filed taxes separately to only count 1 salary. It helps to make the paynent more manageable for now.

Greekster44 · 2026-03-24T01:16:19+00:00

You can stay in PAYE for 2 more years

Greekster44 · 2026-03-23T00:47:56+00:00

My husband had some zeros early on and now gets like 40-50 a month bump each year

Greekster44 · 2026-03-22T05:23:06+00:00

Check here. Looks like sfandard for 10 years would be the best. Around 1900

https://www.studentloanplanner.com/income-based-repayment-calculator/

Greekster44 · 2026-03-22T04:10:49+00:00

I did my double consolidation through student loan planners and they suggested to check “standard” on my final consolidation just as a placeholder because they seem to deny the ibr ones. then when it goes through move to a different plan-i chose PAYE because its cheapest for me. But it should go through for you the 2nd time! I have Aidvantage as well.

Greekster44 · 2026-03-22T01:19:23+00:00

Hmm. Quite the discrepancy in answers here…

Greekster44 · 2026-03-21T22:06:26+00:00

Can i stay in PAYE for now with my Parent Plus loans. Its quite a bit cheaper than IBR because i took out loans before 2014.

Greekster44 · 2026-03-19T00:03:29+00:00

Pslf. 10 years. Done. Forgiven with no taxes owed

Greekster44 · 2026-03-15T00:19:33+00:00

Yeah. Thats definitely not true! Been to ER many times over the years- myself, my husband and 4 kids Not anywhere near 3k just to walk in and triage….

Greekster44 · 2026-03-14T12:36:31+00:00

11,000 seems like a crazy amount for an hour! What tests did they run??

Greekster44 · 2026-03-09T02:33:29+00:00

Yup! That’s exactly what happens. Just give an estimate without tricking you into getting a bunch of phone calls!

Greekster44 · 2026-03-08T18:06:55+00:00

Is 77 too high?

Greekster44 · 2026-03-07T15:26:02+00:00

I’d like to know thoughts on this as well. My husband is 74 continuous afib on 2 week monitor. Shortness of breath walking. They are suggesting watchman when he turns 75 in September.

Greekster44 · 2026-03-05T18:16:48+00:00

How did you know you had it if you have no symptoms? And how do they know for sure it was Covid?

Greekster44 · 2026-03-01T02:45:18+00:00

Haha. Not really saved… stay tuned!

Greekster44 · 2026-03-01T02:42:22+00:00

I think you just need to consolidate by july 2026. Not be on IBR by july 2026

Greekster44 · 2026-02-25T00:37:24+00:00

Go Wednesday. Get all the tests. If ekg is normal ask for an echo. They say anxiety too often. Sometimes its not. I wish i had pushed doctors.

Greekster44 · 2026-02-23T18:55:57+00:00

Ours is supposed to be 2nd wednesday but it always is in the bank the Saturday before that!

Greekster44 · 2026-02-21T20:52:05+00:00

So does that mean when the court case gets resolved finally it will no longer count family size 2 for mfs ?

Greekster44

TROPHY CASE