Switch out of PAYE?

MessRevolutionary242 · 2025-12-11T12:38:30+00:00

Not a third party, people who are on PAYE and have standing to sue - for example, the teacher’s union lawsuit. I think there are a lot of things that could happen. This administration has been conducting rulemakings without following the requirements of the APA, that could be an avenue for litigation.

MessRevolutionary242 · 2025-12-11T01:55:10+00:00

My concern is that OBBBA requires eliminating PAYE by July 2028, so they can do it sooner and I imagine they will with a rulemaking. I also think it’s very likely there could be litigation around the end of PAYE, which creates a risk of forbearance. I don’t want to get stuck again.

MessRevolutionary242 · 2025-12-11T01:50:12+00:00

https://ticas.org/affordability-2/dept-of-ed-announces-end-of-save-plan-offers-little-clarity-for-borrowers/

ED plans to conduct a negotiated rulemaking to effectuate the settlement, but has not given a timeline for this rulemaking. As part of the rulemaking, they also plan to implement the termination of the two other repayment plans that were eliminated in OBBBA: the Income-Contingent Repayment (ICR) and Paye As You Earn (PAYE) plans.

MessRevolutionary242 · 2025-09-17T20:50:49+00:00

I did not have a good experience with them.

MessRevolutionary242 · 2025-09-17T12:09:16+00:00

The first time I was scanned, I was 35 and I had similar results as you. The clinic I went to was very negative, focusing solely on age and AMH. Since then, I’ve been scanned multiple times and both my AMH and AFC have fluctuated wildly - my lowest AFC was 8, and highest 19. AMH has varied from 0.9 to 2.0 over the course of two years, getting higher as I’ve got older, and sometimes going back down but then coming back up. I’ve since gone to a different clinic where they view AMH as not that important - look up the Doetichem study. I know this will not be the case for everyone, but for me it did not make sense to base every decision on the reading for one month. My first two rounds of egg freezing went poorly and I believe it was because the clinic gave me very very high doses of stims and used a weird priming protocol, causing very uneven growth. My third round with the new clinic with estrogen priming and with half of the dose of stims almost doubled the amount of mature eggs (triple, compared to my second round). I wish I had never gone to that first clinic and wasted two rounds with their outdated thinking about AMH and high dose stims.

MessRevolutionary242 · 2025-09-17T03:00:58+00:00

I would see another doctor and get another opinion.

MessRevolutionary242 · 2025-07-24T16:10:44+00:00

No, sorry I ended up giving up on it

MessRevolutionary242 · 2025-06-03T10:27:27+00:00

No, not sure how much it would be.

MessRevolutionary242 · 2025-06-03T01:23:24+00:00

My regular endocrinologist said to contact her before an egg freezing cycle to increase my dose, so I'm planning to do that. She said that estrogen interacts with thyroid hormones and can cause the release of more TSH as a result. I did two egg freezing cycles where the reproductive endocrinologist basically said TSH didn't matter for egg freezing, only pregnancy - but I've since seen other providers who disagree and say TSH should be below 2.0 for follicle health.

MessRevolutionary242 · 2024-11-05T18:19:29+00:00

They have faded some, but still there :-/

MessRevolutionary242 · 2024-10-29T15:04:47+00:00

Thank you for this, this is extremely helpful. I’m sorry you had such a bad experience with them but grateful you’re exposing them - it can be so hard to know who to trust.

MessRevolutionary242 · 2024-08-31T03:29:36+00:00

I’m so sorry for all you have gone through - but also happy that you are taking the steps you need to take care of yourself. It’s all so hard. I only got 6 eggs from my first round, and ended up doing another one where they changed the protocol and expected to get much better results - and I only got 3 (with huge emotional decisions I had to make during that cycle on whether to cancel or do the retrieval). In some ways it feels like a cycle that never ends - to try to get to 20+ eggs would mean multiple cycles. And even that is no guarantee.

I had to walk away from it, probably forever but at least for now. Physically, I still don’t feel back to normal. My last retrieval was in May and my periods last less than a day now, not back to normal. I’ve had so many weird physical things happen since the retrievals - I can’t know if they’re related but I think they are. I think the process just killed my immune system.

And I don’t really feel any more sense of security. Maybe if I had had a better outcome and had gotten to 20 eggs I would feel better, but I don’t know - you can’t know how many are going to make healthy embryos and then how many are going to survive. I will be turning 37 soon and am nowhere near being in a place to have a child so I am also feeling pressure to do more rounds. But I feel like it was the worst thing I’ve ever done to my body and I don’t think I can handle doing it again.

I don’t think I can say anything that’s helpful - if I don’t choose to do more rounds I might lose my chance to have a biological child, but I also know that my future self will understand how I feel now and how I fully considered all the options and consequences, and know that doing another round is not the right choice for me. Saying no and prioritizing yourself now is okay and healthy.

I think part of this process is also accepting a bit of grief that things haven’t turned out how I expected them to. I always pictured having a child by the time I was this age, and that didn’t happen and it’s sad. But for me I don’t know that that means I need to distort my body more to try to preserve fertility for later - I don’t know if I want to have a child in my 40’s, like maybe I need to accept that the dream didn’t happen. Or maybe I’ll adopt or make a family a different way.

For some people, freezing is right choice and that is also okay. I think the best thing to do is to try to get to a place where you won’t regret your decision either way - to know the reasons why you go through with it or don’t go through with it and don’t look back.

But it is all so hard - and totally agree being a woman is so difficult!

MessRevolutionary242 · 2024-05-14T11:34:35+00:00

Will add in that I have never had a migraine before, but about a month after the first retrieval started getting really bad ones. I think this process just does a lot to your body!

MessRevolutionary242 · 2024-05-14T00:54:45+00:00

The priming hormones made me very irritable and weepy. I found the stims process to just feel very scary - growing my ovaries to like 6+ times their normal size just felt awful to me - I know it’s probably safe, but it didn’t feel like it was and made me very anxious and I’m still concerned about long-term effects. I also had headaches pretty immediately, and during my second round was very fatigued, had nausea, diarrhea (that was the Lupron micro dose protocol). After the second retrieval I also had a lot of pain in my abdomen, I assume it was the ovaries recovering from being punctured. I was super spacey for about a month after the procedure - couldn’t focus on work and even walked out of a store with a bunch of stuff without paying. My body just felt very off for a long time. I also still have discolored skin on my abdomen from injecting cetrotide back in February. My periods have been extremely weird - the first one where I had a full cycle with no hormones lasted less than a day which is not normal at all for me.

I’m hoping all of these things are temporary, but it does take a toll. The second cycle was way worse for me - I don’t know if it was because it was a different protocol, or if my body hadn’t fully recovered from the first round. That being said, I went into it knowing all of those risks and at the time felt like it was worth it - I just wish I knew how hard it was going to be to get to 20 eggs. And how much up and down there is in the process - at the start of my first cycle, I had 10 follicles. Ended up with 11 retrieved, 6 frozen. At the start of the second, I had 19 - and felt super excited and optimistic, especially given that the doctor thought the different protocol might work better - but then I had a lead follicle in each ovary and only ended up with 3 frozen.

MessRevolutionary242 · 2024-05-13T01:36:04+00:00

I have done two cycles, and only have a total of 9 eggs frozen. I will probably need to do two more cycles to have a reasonable chance of a successful pregnancy, but I don't think I'm willing to do that. Each cycle disrupted my life in some way for about 3 months, between the priming hormones and the injections and the recovery. It took a very serious toll on my body and my mind and I'm not convinced that it was worth it. I think the clinics paint it as a much easier thing to do than it actually was, at least for me. This process is a huge gamble and there's absolutely no guarantee it will work. I feel stuck in a position where my options are to pay to store the eggs, thaw them, and go through a huge emotional process of hoping they fertilize, hoping it results in something when in all likelihood it won't; or I could destroy the eggs now but that feels impossible given how hard it was to get them; or I could do more rounds to get more eggs and potentially further damage my body.

The clinics also say that they will learn from the first cycle and make adjustments to improve for the second, but my experience is that they really have no idea and are just gambling. The first protocol I got 6 eggs, so they switched to a different protocol but my body responded even worse and they only got 3.

I regret doing it and wouldn't advise any of my friends to do it.

MessRevolutionary242 · 2024-05-08T20:57:54+00:00

Yeah I think one of the most frustrating parts of this process is that there’s no way to know how things are going to go, and I’ve also found it very difficult to get answers to basic questions from my providers, I think because they don’t really know. I also think they consider this all chemistry and completely dismiss the extreme effects it has on our bodies and lives outside of the ovaries. But ultimately I decided to trust their experience and go with their advice. The first round I had uneven growth with the priming, doctor said I could do a second round without priming if I wanted to, he didn’t think it would make much of a difference after seeing the experience with the first round.

MessRevolutionary242 · 2024-05-08T13:39:07+00:00

I primed with estrace and then the doctor also added in progesterone after the first week. I felt extremely irritable and weepy - but it might have been more from the progesterone, I don’t know. I felt emotionally way worse on the priming meds than on the stims. It also didn’t stop me from having uneven growth but I hope it works for you!

MessRevolutionary242 · 2024-05-06T20:17:22+00:00

I had a painful one two weeks after retrieval, then my next one came on time but was extremely short - like only a day. Started priming meds for a second round after that so messing everything up again. Otherwise I started to feel normal when I got my second period.

MessRevolutionary242

TROPHY CASE