The grace 20 out of my 33 loans ends on June 22nd, and the estimated payment is 338. 81. All of the emails still say the 2028 placeholder, I obviously know it's not 'real, but I'm not quite sure what I should do. I'm unemployed on SAVE (i know its dead) some of them are in SAVE Forbearance, some for slated for Standard Repayment.
So I'm doing for the IDR plan, but my question is:
Do i still 'do nothing', lean on '2028' while waiting for and ride out the 'July 1st' email for the 90 days, or do i just switch now?
**Edit its the grace period for all my loans , but for some reason I only got emails for 20. Maybe NelNet just does it differently 🤷🏽♀️
Grace Period ends Soon
byu/Aggravating_Drink817 inStudentLoans
Posted by Aggravating_Drink817
2 Comments
Just wait till rap
Wait you have 20 loans ending grace period but 13 others that dont? Thats wild setup
If youre unemployed and going for IDR anyway I would just let the grace period end and not stress about July 1st thing. When you get approved for IDR with zero income your payment will be zero anyway. The whole 2028 placeholder is just system being broken while they figure out SAVE mess
I wouldnt switch to standard now if you know IDR is coming – thats just asking for headache with payments you cant afford