Wait for IDR Forgiveness or Aggressively Repay Federal Student Loans?
The wait for Income-Driven Student Loan Forgiveness takes decades. In some cases waiting for debt forgiveness is the more expensive strategy.
IBR
Can I sign up for IBR, PAYE or SAVE if I don’t have a job?
IDR plans like PAYE, REPAYE, and IBR were designed to provide borrowers with affordable payments. For the unemployed, this often means $0 payments.
When is it time to give up on Income-Driven Repayment Plans like IBR, PAYE, and REPAYE?
Income-driven repayment plans are usually the best option for federal borrowers, but some circumstances justify a change in strategy.
How to Lower IDR Federal Student Loan Payments if Your Income Drops
Recalculating income-driven federal student loan payments can be done at any time and the process can save borrowers a ton of money.
IBR, PSLF, and Mortgages… Oh My! How to buy a house and chase forgiveness.
Qualifying for Public Service Loan Forgiveness and buying a house are two goals that both require careful planning for student loan borrowers.
When Income-Driven Repayment Plans Like IBR, PAYE and REPAYE are a Mistake
IDR plans are usually the best choice for many student loan borrowers. However, there are times when opting for another plan is the best option.
Student Loan Plan: Moving from IBR to REPAYE
Switching from IBR to REPAYE has major benefits, but some couples will need to do some math to find the best option.
Will Signing Up For IBR, PAYE or REPAYE Help My Credit Score?
The credit score impact of enrollment in IDR plans like PAYE, IBR and REPAYE is usually minimal, but it can be a huge help in certain circumstances.
Advanced Income Based Repayment (IBR) Strategy
PAYE and REPAYE are better options for many borrowers, but there are times when IBR offers the lowest monthly payment and the fastest path to debt freedom.