Reddit Student Loans

Long time lurker w/ 400K student loans

I suppose you can call me a highly specialized physician.

1st person in family to go to college, had to use loans for undergrad and med school

I have 400k in direct loans currently.

I am in PSLF program and have 7 years of qualified payments made. (confirmed annually)

At this point I need to re-certify my IBR, but by doing this my payments jump to almost 5k/month

If I don’t, the standard payment is ~3300.

I have 36 months of payments left before I am PSLF eligible, but if they aren’t under the “IBR” label, will they still count as a qualifying payment?

Any thoughts would be greatly appreciated. Thanks!


Edit: Thanks for all the replies, it does seem that I have to stay on IBR (which was the only program available for me in 2011). I could have switched to one of the other IDR programs prior to my salary going up, but now I don’t think I can. It does seem that my IBR won’t be more then the standard 10 year despite what the calculator on the []( website says. We will see. Thanks for the input 🙂

Long time lurker w/ 400K student loans – RobinHood – Reddit Feed

View Reddit by Live4nowView Source

discover student loans
student loan calculator
student loan login
private student loans
student loan payment
reddit student loan forgiveness
student loan nightmare stories
reddit pslf

sallie mae
discover student loans
student loan forgiveness
average credit card debt
average student loan interest rate
best way to pay off student loans
best private student loans reddit
average student loan debt by age

About the author

reddit personal finance

Leave a Comment