As the title suggests, I am not sure what to do. I gave birth to my son on 12/7. The AGI for my husband and I is $102,000 (which is less than last year, $102,293). My husband filed for unemployment from December until May, it wasn’t his fault just terrible timing. I was on maternity leave for six months, which was difficult as my maternity leave checks had to pay for our families health insurance. My work lets us take the time off, but it doesn’t cover health insurance.
In short, even with my husband back at work and doing my part as well, I genuinely do not have $500 a month of extra income and I don’t understand why my monthly payments jumped so significantly when our income is lower.
My rectification date is 7/12, so less than a week away. I’m on the PAYE plan with PSLF since I work for a nonprofit, but even lowest payment option is $500 for me.
I would appreciate any advice, thank you. I’m trying not to spiral here.
Posted by appl3_eye
1 Comment
I’ve been paying on IBR since 2010 at around $407/month, never had any issues until 2025-2026.
Made $50,113 last year and my monthly payment is a little over $807/month this year. It’s this crazy administration.