Not sure how to proceed?

Hello,

I have about $70,000 in debt. I graduated in 2013 with my masters, and the principal amount was $70,000. I’ve paid almost $50,000 back, but the principal has remained about the same. Initially I was in the extended payment plan about $550/month. Right before Covid I switched to a PSLF plan. I’m in healthcare. Long story short, have been on forbearance since Covid. I am 68. I was on SAVE plan with $0 monthly payment. My main income is SS, along with my husband’s retirement income. I retired in 2023, then last year helped out my former employer as they were very short staffed and am now back in retirement. I made about $55,000 from the temporary work last year.

So my question is as I have seen how people’s payments are increasing substantially, do I go back to the extended payment plan? If I try an income based plan, last year’s income is not what it currently is and am not sure if they would just look at last year’s income? I have about 48 months left for the PSLF, but honestly I do not want to go back to work full time.

Anyone else in this situation? It is all so confusing, just trying to figure out some clarity. I know there are still some plans still pending with the student loans, so I don’t plan on picking a plan until all the information is available, but I would like to have an idea what the options are.

Thanks for any suggestions!