I finally switched to IBR. Since I’m unemployed, I’m taking those credits for a year- better do it now before I find a new job, which I hope is soon. As of today, I have $50k left.

    260 out of 300 payments made, forgiveness in 2029. If SAVE lasted i would’ve overpaid and no tax bomb ( Such a bummer for us who were so close)…

    Estimating that my 2026 tax filing will be around 50% of my normal annual income. So, my 2027 payments will be super low, compared to 2028 and 2029 when I expect to have normal salary for 27/28 tax years.

    $30k ish forgiven in 2029…

    Could always be worse, can’t be mad at $0 payments for a few years and all the fun behind the scenes.

    Good luck to all of you out there … maybe the next pandemic or new prez will change all of this madness.

    SAVE you will be missed
    byu/Admirable-Gas-7876 inStudentLoans



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