Notification: Entering Repayment 3/2026

Well I’ve been following the sub for a while and try to stay up to date. Previously all 5 of my undergrad was on the SAVE plan and are in administrative forbearance. The later 6 loans are for my postbacc certificate and my masters program I completed during the time of 9/2023-9/2025. These loans previously said no repayment plan selected but now read as they are on SAVE(IDR). I received an email today about entering repayment but when I look in my account the last document I received was in January.

So,

1. Does this mean I can stay on save with these last 6 loans like I was planning to do with my undergrad.

2. If this is a hiccup based on my loan information what is the best plan to select/repayment strategy. I currently make between 35-38k a year (I’m not salaried so income can fluctuate by 1000+- from month to month.

Original principal $68,162

11 loans total:

– 5 subsidized

– 8/12/2019 (SAVE)

– 4.53% – $5,519.09

– $21/month interest

– Forbearance

– 11/9/2020 (SAVE)

– 2.5% – $5,511.59

– $12/month interest

– Forbearance

– 10/11/2021 (SAVE)

– 3.73% – $ 5,515.73

– $18/month interest

– Forbearance

– 10/17/2023 (previously plan not listed)

– 5.5% – $5500

– $26/month interest

– Grace Period

– 5/30/2024 (previously plan not listed)

– 5.5% – $935

– $5/month

– Grace Period

– 6 un subsidized

– 8/12/2019 (SAVE)

– 4.53% – $2.156.94

– $9/month interest

– Forbearance

– 11/9/2020 (SAVE)

– 2.75% – $2,075.14

– $5/month interest

– Forbearance

– 10/17/2023 (previously plan not listed)

– 5.5% – $7,678.15

– $36/month interest

– Grace Period -SAVE

– 5/30/2024 (previously plan not listed)

– 5.5% – $1,277.53

– $6/month interest

– Grace Period -SAVE

– 9/5/2024 (previously plan not listed)

– 8.08% – $21,824.60

– $147/month interest

– Grace Period -SAVE

– 5/1/2025 (previously plan not listed)

– 8.08% – $12,854.54

– $87/month interest

– Grace Period -SAVE