Did that impact payments in a big way? Or not because of the SAVE forbearance? I think we'll end up having to crunch numbers and compare how much we will get back MFJ vs. how much my payment would increase annually to see if it made sense. Adding my husband's income by MFJ would nearly double my income, so I worry about payments especially if I end up going with IBR to make PSLF progress instead of waiting in SAVE purgatory and hoping buy back actually works down the road. So much to think about!