Determined beyond words

Good evening, I wanted to share my opinions on the RAP plan. I used the calculator and it seems that payments are cheaper when seen at the 30 year mark. I will not be refinancing or consolidating before or after July 1, 2026. My payment is calculated at $93 for thirty years based on income but is significantly higher at $1854 for the Standard 10 year plan. I would be paying more on PSLF than if I just made income based payments for 30 years. I'm assuming they are higher at the ten year mark due to different interest levels. I do admit that having a student loan provider that does not communicate effectively and does not make it easy to get in contact with is very stressful. I'm one being stressed tho because it just doesn't help. I've had anxiety my entire life and being anxious has shown me what makes me uncomfortable but it is not a place to stay believe me. My situation is a little different than the normal I believe so. Most people my age have kids, already own a home or looking to buy one, married, have daycare to afford, and I don't have any of those things. I do not have kids, am engaged, do not own my home we rent a rental home, and do to not having kids of course do not have extra money spent on what would go to taking fare of them. I have spent the last 12-13 years helping my sister take care of our disabled father which has affected me both financially and emotionally. Social security does not help as much as some people believe it does. My mom passed a long time ago and he was living by himself. It felt like everytime I talked to him there was a new problem to fix or spend money on that he needed and sometimes wanted, when I got things for my house I did for him too, same thing with clothes, toiletries, groceries, and just about anything you can think of including medicine that insurance wouldn't pay for because he ran out too soon. Very stressful situation all around and having to deal with it four hours away made it harder in a way for me. My sister that was helping lives over fourteen hours away and lives in Seattle. When I would go visit him, I'd easily spend over $400 just to be there a few days. I had to get a hotel so I had a place to sleep ($110-$150 a night), make sure he had groceries and food to eat and drinks, that he had his medicine, toiletries, clothes, and all that. I wanted him to want to be there for himself the way I tried so hard to be. Taking care of someone is a pure act of love it truly is and I feel like if I can do that I can do anything. If I can help take care of him and make him feel better then I'm doing good in the world and not only have purpose but character. He's with God now and I have no idea what to do with myself after taking care of him so long. It just feels weird and I feel like I'm relearning myself. I am so grateful to be where I am in life right now healing and getting through it. I feel all that love I gave him inside my heart and it gets me through the day. Family is so important to me. It brought me stress but I also made me resilient and feel like I could do anything and that applies to these loans. I have read many of your concerns, worries, and fears. My heart goes out to each of you and your different situations. I believe in my heart things will always work out for the best. I've found a silver lining through my pain this past year from losing him and I know I'm gonna be okay even though it hurts. These loans are gonna be paid and I'm gonna take care of myself. All I have is hope and this is why.

I have already started saving up money for my loans. This is the only debt I have because I have already paid off the following:

*Two cars in the amount of $40000-$50000 (together)

*$15000 in private student loans (the rate is much higher so these had to be paid first)

I did this all by myself and if I can do that then I can definitely do this.

Sorry for the rant and thank you for reading. Anything is possible everyone and I know it's really easy to get anxious believe me but there comes a time when we just have to talk ourselves through it and deal the best we can. That has to be enough. Blessings to you all. I'd love to share how I save money if anyone is interested in hearing. 🙏♥️