So I have roughly $27k in federal student loans. My 2025 AGI is roughly $108k. I’m currently in SAVE forbearance and trying to determine what option would be smarter in the long term(or even short term).

    1. Pay off the higher interest loans (4-5% interest) and then pay off the lowest interest loans in bigger increments
    2. Get into a payment plan (I’m not entirely sure which would be the best for me? Assuming RAP or IBR?) and then add more monthly to the minimum payment to pay each loan down at a quicker pace than the average 20-30 payment terms while still not dwindling my savings in such a quick timeframe
    3. Get into a payment plan and just continue adding to my 401k and HYS at high levels like I’ve been doing while on SAVE

    Any advice would be greatly appreciated! Currently planning a wedding and living in a very high cost of living area. All options are doable and I’m just looking for advice on which would make most logical sense or what others are doing.

    Trying to figure out which route is best..
    byu/kp0678 inStudentLoans



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