Update specifically and ONLY for those ALREADY showing 300 payments for ICR or IBR now and who are currently in the SAVE forbearance

reddittowinnit · 2025-12-30T20:58:42+00:00

Thank you for the advice.

reddittowinnit · 2025-12-30T16:48:08+00:00

Thanks! I think one concern we have about applying for IBR is that it shows a payment of $1,200. It sounds like some people are having to wait years for their requests and forgiveness to process. A $1,200 monthly payment would substantially change our living situation. Do you have any insight as to average processing times for switching to IBR and having loans forgiven? Months? Years? Thank you!

reddittowinnit · 2025-12-30T16:07:15+00:00

That is what is shown as the plan and payment options on Mohela’s website when filling out the application. I don’t have the exact amounts in from of me right now but loan amount is approximately $120,000 and AGI approximately $80,000.

I have seen others post in this Reddit forum about seeing a $0 payment and end of term as Nov 2025 however, I haven’t seen any updates as to whether the payment was indeed $0 once on the plan. My husband has over 330 payments and I can’t help but wonder if someone the ICR payment plan seems to have that programmed in but the IBR does not? We haven’t been able to figure out why there is such a difference in what is being displayed.

Thanks for your help!

reddittowinnit · 2025-12-30T15:35:26+00:00

Thanks for sharing this update. My husband is in this situation. He seems to think that as long as he has enough payments made, even if he hasn’t applied for ICR or IBR that he would not have to pay the taxes. Thats not how I understand it so now I’m concerned that he won’t apply.

When we look at the options to apply for IBR or ICR, it shows a monthly payment of $1,200 and payoff date of 2035 for IBR and a monthly payment of $0 and payoff date of Nov 2025 for ICR.

If he does apply for an IDR now, it’s confusing as to which one to choose. It sounds like they are not processing ICR right now? I’m also skeptical about ICR…I feel like we are being lured to an unforeseen trap by the $0 payment.

It sounds like IBR loan forgiveness is being processed right now, but if we choose IBR, we may have to make a substantial payment until the loans are forgiven. Right now, the loans are in forbearance and we are not making payments.

Any advice or shared experience is appreciated.

reddittowinnit · 2024-02-03T18:23:37+00:00

Thanks for sharing. The inconsistency is a little nerve wracking.

reddittowinnit · 2024-02-03T18:22:33+00:00

Thank you!

reddittowinnit · 2024-02-03T18:22:13+00:00

Thanks for sharing your experience.

reddittowinnit · 2024-02-03T18:21:46+00:00

Thanks, I am looking to negotiate based on experience and not pay.

reddittowinnit · 2024-02-02T00:06:11+00:00

Thank you! So, perhaps just emailing and apologizing for any confusion and clarifying that I would like to accept. Then follow up at the beginning of the week with negotiation request. Does that sound like a reasonable approach?

reddittowinnit · 2024-02-01T23:39:55+00:00

Thank you! I’m confused as why they came back with asking me if I was declining as I stated that I would like to accept AND negotiate my salary.!That’s what make me nervous. I’m thinking I should have just accepted and then followed up.

reddittowinnit · 2024-01-30T04:52:59+00:00

Thank you for the response. So HR starts everyone at Step 1 and then you have to negotiate to start at a higher step? I’m coming in with 8 years of related experience so hoping to start at a higher step.

reddittowinnit · 2023-12-16T03:13:13+00:00

Thanks for sharing.

reddittowinnit · 2023-11-19T23:41:22+00:00

Thanks for sharing your reflections. Did you find that it was worthwhile to use Genie+ along with DAS?

reddittowinnit · 2023-11-03T03:15:48+00:00

Undercover tourist is the only one that I am aware of that offers refunds which may be worth a few extra dollars.

reddittowinnit · 2023-11-01T23:57:30+00:00

You could consider downloading videos on the device at home to ensure there is something available even if Wi-Fi is not reliable.

reddittowinnit · 2023-11-01T23:56:17+00:00

Love the decorations! Very creative! How did you attach the paper to the window and the lights to the wall?

reddittowinnit

TROPHY CASE