I have $70k in student loan debt, recently graduated so loans will be starting back up in February. I work part-time earning roughly $700-800/month. I am searching for a job but the market isn't the greatest right now and I'm not having the greatest luck. I am confused by all these repayment options and IDR. Could anyone educate me and hopefully recommend what route would be best for my situation?
Repayment starts soon (02/2026) not sure what to do?
byu/Secure3443 inStudentLoans
Posted by Secure3443
1 Comment
If you are lower income you can apply for an ibr plan O recommend paye. Your payment should be 0 dollars and then you can switch to Rap once that becomes available for the interest subsidy.