#RedditStudentloans

r/StudentLoans 13h ago u/Vivid-Isopod Any potential issue with switching from SAVE to ICR today, and then switching to old IBR in 2028? ICR shows 279 qualifying payments, old IBR shows 0.…

r/StudentLoans 13h ago u/Tomato_Basil57 Chance of borrowers defense Ok, I realize there are alot of these types of posts, but i give it a shot anyways, as even if someone tells me I might have chance, then maybe id go for it and see what happens.…

r/StudentLoans 12h ago u/Upbeat_Ad_6346 I made a lump sum payment to pay off my interest under standard allocation payments, ~70% went to principal instead- what is happening?…

r/StudentLoans 6h ago u/Air8iscuitz Standard plan question Advice I’m considering going onto the Standard Repayment Plan after SAVE ends, possibly just letting them move me over.…

r/StudentLoans 5h ago u/UpstairsDue1295 Top 1% Commenter Certify Mail Borrower Defense Applciation Advice Did anyone else recently certify mail their Borrower Defense application to the PO Box in Kentucky and have it forwarded to another address?…

r/StudentLoans 5h ago u/Full_Combination_336 Took an LOA from last semester Advice As the title says, I had to take a medical LOA from my last semester.…

r/ StudentLoans u/longdogs1 5h Loan forgiveness, overpayment, and lack of refund? Has anyone else experienced this? Two loans hit their 300 payments according under ICR (yes I’m old) in Jan 2025.…

r/StudentLoans 5h ago u/Opening-Motor773 Grad school loans in grace period I have both undergrad and graduate student loans. I’m in the process of trying to place my student loans in IDR.…

r/StudentLoans 11h ago u/No-Programmer-733 Smart People of Reddit, I need advice on switching from SAVE Advice Like many others, I am on SAVE and I got my 30 day warning on October 1st. Yes, I have procrastinated.…

r/StudentLoans 12h ago u/Ok_Future6226 When did you guys get the extra 30 day notice after the 90 day one? Almost been 90 days and haven't gotten the additional 30 day notice yet but I see a lot of people are getting one.…

r/StudentLoans 6h ago u/raindrops_x Nelnet says I wil have to pay $600 a month but I am going on unpaid maternity leave in Feb I am freaking out! I have $82k in SAVE. They just emailed me that I have 90 days to choose a new plan.…

r/StudentLoans 2h ago u/LostDocument2966 Repayment plans What repayment plan is the best after SAVE is now gone? I have the option of 199 for 25 years or 351 for 10 years. iSharesOfficial • Ad Get your cash working with monthly income potential.…

r/StudentLoans 11h ago u/Fun-Outcome6980 No PAYE option on FSA for recert. literally crying Advice My biggest fear happened this morning. I have been on PAYE for 12 years.…

r/StudentLoans 2h ago u/42069burnin Consulting advise Advice Has anyone used MK consulting for their loans before? They’re saying they can get 130k of my loans discharged and bring my payments down by half Thru “diff programs” and changing my loan dates…

r/StudentLoans 2h ago u/AnonRifleman73 To PAYE from IBR Advice I’ve got student loans spanning from May 2008 to January 2026. Though most of the loans are older, like 2012 or earlier. I was on IBR, then SAVE.…

r/StudentLoans 42m ago u/Ornery-Put9337 IBR recertification question Advice I don’t have a 2025 tax return yet (filed in 2026) and yes I know it’s late. I do have a 2024 tax return (filed in 2025).…

r/StudentLoans 33m ago u/Mundane_Relative_170 Is RAP a good idea? Advice Hi guys, my grace period just ended and I need to pick a payment plan.…

r/StudentLoans 4h ago u/Apprehensive_Froyo13 Nelnet requesting more information to process IDR application I submitted my IDR application in September. Nelnet keeps saying they need more information before processing my IDR application. The problem?…

r/StudentLoans 9h ago u/NotMeUsee Got an extension after my 90 days Rant/Complaint I got an email today from EDFinancial. My 90 days came and went and I was alerted that I have another 30 days before I got into the standard plan.…

r/StudentLoans 3h ago u/Wise-Ride9202 Validation needed, as well as info sharing Ok. Long time lurker and commenter but believe this may be my first post.…