Обсуждение

Good overview you can easily share with others www.nj.com/news/2026/07...

The mods on the PSLF and Student Loan Reddit pages have been doing the lord's work for a few years gathering lots of info and answering the same qs every day. One of them runs a free student loan advice NP called TISLA. Most misinfo is weeded out and explained clearly! several Pinned threads, etc.

Just from personal PSLF experience RAP is the worst repayment plan of the options presented. It would take my payment from ~700 to ~1300 and offer no other benefits. Even ICR was better, and ICR was horrible. If I could sneak back into PAYE I would, even though it expires eventually.

(One of the saddest, most demoralizing experiences for me these days is how all of my institutional knowledge became obsolete in a matter of weeks. It’s so hard to advise or help students. The real answer to their questions is, too often, that there’s no good answer.)

In general the best advice, and the advice @debtcollective.bsky.social is giving, is to stay put. New litigation is ongoing that might keep some SAVE eligibility or at least require REPAYE and folks don’t have to move until September at the earliest

I am sitting here in pslf buyback hell for what it's worth. Submitted buyback request in March. Waiting, waiting, waiting. In the meantime Mohela has not charged me anything. I really just want to cut my check and be done with it.

You have 90 days to change AFTER your loan servicer contacts you. You do not have to change before they do. The dept of ed deliberately mislead that their emails were the official notice.