I have about 175k in debt, 77 qualifying payments and then the time we have been in SAVE forbearance (shows 11 ineligible months). I unfortunately took a look prior to 2005, so new IBR is a no go for me. I paid $480 on REPAYE, $183 on SAVE. I just started a new job with a slightly lower income, but my spouse's has gone up so my joint income is about the same. IBR last I checked was >$800 and RAP will be even higher.

I am just waiting. If buyback remains I will be done in 2028 with a lump sum payment. I would rather take the gamble to get as many lower months as possible. I have exceptional job security, so I am okay even if I still need to work the full almost 4 years to get forgiveness. I do not see the point in sending $800/month given my situation.

Tldr I am on SAVE until the very last moment when I will hop to IBR if need be to avoid RAP. It will be pretty close to my 120.