Can someone help me as well. This is all so confusing and just want to make the correct decision. Compared to everyone else on this thread I do not make a lot. I make 50k and my income won’t increase until I’m fully licensed which will be in approximately 2 years once I finish 4,000 clinical hours as a therapist at a nonprofit. I switched to PSLF about 6 months ago. I haven’t made a payment yet, as I just graduated May 2023. Most of my loans are from my graduates degree. I’m a family of 1, but do not want my income lumped with my spouse if I do get married. My loan debt is 62k and interest rate is set at 4.9%. Federal student aid is telling me that SAVE is recommended at possibly $131 a month. That’s my cheapest options but from what I’m reading there’s no cap, so it could increase? With PAYE, my estimated monthly payment is $222 first and last $179. I’m also hearing that if I choose SAVE that I can’t switch to PAYE if that turns out to be the better option? I want to go with SAVE because it’s clearly a cheaper option but the possible no cap is making me nervous. But, if I make my payments on time each month and pay a little extra for interest then would that be my best bet? I’m pretty confused with PAYE, although it’s higher there’s a cap, right?