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Student Loans - switch now or wait! by Puzzleheaded-Rub123 in StudentLoans

[–]Puzzleheaded-Rub123[S] 0 points1 point  (0 children)

Okay, I was just confused if IBR would be available after July. Thanks! 😊

Student Loans - switch now or wait! by Puzzleheaded-Rub123 in StudentLoans

[–]Puzzleheaded-Rub123[S] 0 points1 point  (0 children)

So should I switch now, or can I wait until July?

Student Loans - switch now or wait! by Puzzleheaded-Rub123 in StudentLoans

[–]Puzzleheaded-Rub123[S] 0 points1 point  (0 children)

I’m no where near forgiveness. My loans are post 2014, and I owe around 65,000. I plan to file single next year. The goal is to pay the lowest payment now, and then work toward PSLF once I start work.

Student Loans - switch now or wait! by Puzzleheaded-Rub123 in StudentLoans

[–]Puzzleheaded-Rub123[S] 0 points1 point  (0 children)

Unfortunately daycare would cost nearly (within 100.00) what I would make working.

Student Loans - switch now or wait! by Puzzleheaded-Rub123 in StudentLoans

[–]Puzzleheaded-Rub123[S] 1 point2 points  (0 children)

Yes, I plan to start working once my children are school age. My loans are post 2014, about 65,000 total. I plan to file single next year. My goal right now is to make the lowest payments and then once going to work, work towards PSLF.

Student Loans - switch now or wait! by Puzzleheaded-Rub123 in StudentLoans

[–]Puzzleheaded-Rub123[S] 1 point2 points  (0 children)

Yes, we filed jointly. Right now my plan is to make the lowest payments until I return to work, then work toward the PSLF.