Long story short: I started residency in July 2022 and submitted for IDR repayment plan via mohela around december 2022 where the W-2 included whatever I made in wages during that short period. That made my monthly payments $87 for my current federal loans (unsubsidized and subsidized). I renewed the application the next year and monthly payments stayed the same but unfortunately I forgot to renew it in 2024. When I re-applied during my research year where my W-2 had the full year of wages, the monthly payment came up to $587. I had no way of reducing this amount and it’s obviously way too much for someone with a resident salary in NYC. so I have been in forebearance and accruing interest. I tried calling and the only recommendation was to wait until I start residency and submit my pay stub. To me this is unreasonable because I don’t want to continue accumulating interest. Any thoughts or recommendations?

    Can’t make new monthly loan payments after IDR application as a resident
    byu/Own-Development4142 inStudentLoans



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