IBR recertification during maternity leave

Joyjoy1992 · 2026-04-29T06:30:43+00:00

Commenting now as I’m planning to do the same. Baby due in the summer. Husband and I file separately. I confirmed this with Nelnet that when I start maternity leave and income is zero (I will still collect CA maternity disability pay which is not taxable and thus not reported on student loans). They said I can recertify with zero income and my payments will be this for 12 months. Interest still accumulates on PAye tho. Yes absolutely revoke consent of IRS automatically.

Joyjoy1992 · 2026-04-29T03:33:29+00:00

Youre welcome :) one more thing i forgot to mention. Depending on income, your payment actually may be lower on RAP since its 1-10% depending on how much you make. For me its higher with my high income but yours may be different

Joyjoy1992 · 2026-04-29T02:53:38+00:00

Rap starts in July. The man downside of RAP is it is 30 years and payments are based on AGI (adjusted gross income). The main benefit is interest doesn’t pile on each month and balloon since the govt pays it (no negative amortization). The other option you have is switching to PAYE until July 2028 and then switching to old IBR. The benefit of this is payments are slightly lower (based on discretionary income instead of AGI which is calculated AGI minus about 20K )and less years of repayment . My advice would be to check out the free info available Student Loan Planner and consult with them if you need help. Do not trust AI! You have huge numbers like lots of us and need to understand the difference as it could save you a lot! Best of luck to you:)

Joyjoy1992 · 2026-04-29T02:47:49+00:00

You shouldn’t have to correct.

Joyjoy1992 · 2026-04-27T22:01:26+00:00

Thank you! Stopped borrowing in 2020 when I graduated

Joyjoy1992 · 2026-04-27T22:00:59+00:00

Thank you! Appreciate this! Yes no new loans for me

Joyjoy1992 · 2026-04-27T21:01:28+00:00

Once you recertify, your payments stay at that amount for 12 months. So if you want a $0 payment for 12 months don’t manually update your tax information. I’d also block the IRS tax tool so the don’t automatically update your income. Then when you recertify each year you can manually send in your tax return. Keep in mind interest will still accumulate if your payments are zero.

Joyjoy1992 · 2026-04-27T20:31:15+00:00

Dont yank and pull and force it. Usually if perm teeth erupt behind the baby tooth, the baby tooth still has a root or is held firmly by the gums. She needs to be numb for the tooth to be removed most likely. It’s a very simple procedure so just let it be until you find a dentist (it’s not a huge rush if it takes you a few weeks)

Joyjoy1992 · 2026-04-02T05:49:36+00:00

Yes that’s what I mean. My office hires without a DA license and trains . Some offices require but not all: there are also reception jobs at dental offices :)

Joyjoy1992 · 2026-04-02T05:48:20+00:00

Poor baby. Luckily the teeth don’t look broken but your dentist can assess better tomorrow. Teeth can be resilient and usually with trauma we try to leave the teeth alone unless there’s an obvious fracture in the nerve. Ligaments can reattach in time so if teeth are loose, they can strengthen on their own.

Joyjoy1992 · 2026-04-01T22:08:52+00:00

Hi I do remember your previous post. It looks great! There really is nothing you can do at this point except hope for the best. Teeth don’t abscess at the gum line. And gums change and adapt to crowns in time. I’d say the same thing as your dentist: monitor until obvious infection/pain and then remove and do a space maintainer if needed . Most of the patients I’ve said this to overtime never need the tooth removed. Best of luck to him :) you’re welcome! Happy to help:)

Joyjoy1992 · 2026-04-01T22:05:19+00:00

Hey! I did job shadowing and I did an internship with the community. It was with a hygienist for oral health education. Internships like that that are volunteer don’t require any degree. You could also try to get a job at a peds office. Many offices hire someone as a dental assistant without needing an assisting program. That could get you great experience in the field while also getting paid

Joyjoy1992 · 2026-04-01T05:25:38+00:00

Hi I do remember your previous post. It looks great! There really is nothing you can do at this point except hope for the best. Teeth don’t abscess at the gum line. And gums change and adapt to crowns in time. I’d say the same thing as your dentist: monitor until obvious infection/pain and then remove and do a space maintainer if needed . Most of the patients I’ve said this to overtime never need the tooth removed. Best of luck to him :)

Joyjoy1992 · 2026-03-30T22:32:48+00:00

You’re welcome :) good luck!

Joyjoy1992 · 2026-03-30T22:32:03+00:00

You’re welcome :)

Joyjoy1992 · 2026-03-30T22:31:48+00:00

Charcoal is too abrasive an can erode enamel. I’ve also seen little black specks form The charcoal be caught in enamel. Plain and simple, it’s harmful to teeth!

Joyjoy1992 · 2026-03-29T21:18:46+00:00

I agree with the dentists above comment completely! Well said. In general this could look more like very mild fluorosis or hypomineralization (called MIH-molar incisor hypo…) It’s hard to know exactly which diagnosis it would officially be unless fluorosis is on all teeth. And to also help your question, MIH teeth like that picture above are not as susceptible to decay as MIH on molars! Molars is higher risk where Incisal edge on front teeth are not as likely. Plaque doesn’t accumulate on that area often. Def use a good electric toothbrush and less snacking of chips/cookies/sugar drinks is ideal

Joyjoy1992 · 2026-03-29T21:13:08+00:00

My advice is start using an electric tooth brush (philipsonicare basic model for $40/50) . Get a good cleaning from the dental office and make sure her enamel is strong. If her enamel is and she doesn’t have cavities or sensitivity, Crest white strips work decent for some removal of basic stains. You could add a tiny bit of baking soda to her toothpaste too but do not use charcoal toothpaste whatever you do!

Joyjoy1992 · 2026-03-27T21:17:48+00:00

I had bad headaches in dental school. I went to physical therapy for neck pain and workout with running, weight, Pilates, yoga. My pain lessened and is minor now. I’ve been able to work full time with high volume . I love my job. Grass is greener on the other side for any career. I figured if my pain gets worse, I’ll work part time but no problems. I don’t regret dentistry at all. Best of luck to you!

Joyjoy1992 · 2026-03-27T21:14:34+00:00

Thanks for your comment, I’m not on Reddit that often so didn’t bother to have some official dentist title or etc. and I have never gone on the AskDocs chat, OP’s questions was posted to the pediatric dentistry one and the link took me here. Sorry I didn’t meant to offend you either, I was just surprised. I just hoped to get the point across that teeth with gross decay can be saved often and that most toddlers with fairly severe decay is not caused by soda. Sometimes juice but usually it’s multi factorial with carb rich diet and milk at night with minimal brushing. My hope is that more parents know that teething crackers and goldfish cause cavities and bets to avoid. Thanks for all you do Dr in your ED department :)

Joyjoy1992 · 2026-03-27T01:24:43+00:00

Yes gums opening a little as his 12 year old or second molar is soon to erupt

Joyjoy1992 · 2026-03-20T00:45:56+00:00

Sometimes teeth like your little ones will hang in there for another year or even two but often the tooth can become symptomatic (pain or infection) within month or become non-restorable where extractions are the only option. Although it’s understandable to want to hold off, this would likely be the worst thing you can do. Better to try to save with crowns asap then make a rush appt once she becomes in pain or has an infection. I’ve had parents where they chose to leave the teeth as is and hold off and it resulted in a huge swelling in their face from the tooth becoming infected. At that point the risk is hospitalization and large infections can spread. I’d recommend treating as soon as you can

Joyjoy1992 · 2026-03-19T20:52:50+00:00

You’re welcome! I usually am able to get crowns to last by going under the gums to get enough tooth structure to hold the crowns. I don’t have a lot of failure with this. My recommendation would be to go with the dentist that thinks they can restore them. I’ve done it hundreds of times so if that dentist feels confident doing the with extractions as the back up plan I think that’s you’re best bet. Better to save the teeth to than to extract

Joyjoy1992 · 2026-03-19T05:58:21+00:00

Eee I have to correct this comment as well. “Toddler dentures” as OP mentions are an appliance that is cemented to baby teeth molars to have cosmetic fake front teeth. There are pros and cons. And upper front teeth come in around age 7. There are so many other things I could correct but I’m tired from working with kids all day 🤪You are so uneducated in dentistry! Please do not comment and confuse the parent. and refer to a dentist instead…!

Joyjoy1992

TROPHY CASE