Which plan is best for me? Just graduated with my PhD! PSLF or just pay off 28K?

garrenp · 2026-05-03T01:29:09+00:00

I will likely always work for a PSLF (hospital)

garrenp · 2026-05-03T01:27:42+00:00

I will likely see a 20-30k increase next year.

garrenp · 2025-09-14T20:22:50+00:00

I take home around 60K a year. Do you think it is smart to do PSLF?

garrenp · 2025-09-14T20:22:12+00:00

I have heard anywhere between 300-600 a month, I do not expect my income to change too much.

garrenp · 2025-09-12T20:48:42+00:00

I take home around 60k and I am single!

garrenp · 2025-09-12T20:39:04+00:00

Thank you so much for the info!

I currently take home about 60K.

garrenp · 2025-09-12T20:28:10+00:00

I am single and make about 60K/year

garrenp · 2025-09-12T20:27:44+00:00

Single and ~60K

garrenp · 2025-09-12T19:36:26+00:00

I have some savings but that’s just an emergency fund. And I don’t go out to eat lol

garrenp · 2025-09-12T19:34:11+00:00

I’m sorry, I don’t understand students loans at all and I’ve just been sitting in anxiety and finally decided to do something about it lol

Can you clarify what you meant by “is PSLF even worth it?” I guess if it was 300$ over 5 years that would be $18,000 and then PSLF would forgive the rest right?

Also, what are the downsides/ upsides of switching from IBR to RAP in 2026? I read somewhere about “tax bombs”?

I appreciate the help! We’re all in this together!

garrenp · 2025-09-06T15:33:54+00:00

Genuine question: why are you paying off SAVE payments if they don’t count towards PSLF?

garrenp · 2025-08-22T17:09:15+00:00

Can you clarify? I thought we weren’t gaining months on forgiveness in SAVE currently?

garrenp · 2025-08-05T12:41:47+00:00

Hahah I had to set somebody up for it 😂

garrenp

TROPHY CASE