I took loans out until 2010 or so and went into repayment in 2011. I initially went on IBR (old) and then I believe REPAY, which turned into SAVE. I've been in the forbearance in SAVE.

I am not sure if I ever qualified for PAYE - hence I was pushed into REPAY. But now I can apply for PAYE until 2028 when it sunsets?

I haven't gotten any emails from my servicer (Aidvantage) and was just going to switch into (old) IBR when they tried to throw me off SAVE this summer/fall.

However, I would definitely take 2 years of PAYE towards my 25 years, as it has the 10% repayment instead of 15%.

I was also reading there are technical issues with this switch - and I should be doing a paper form?

(the complexity of this stuff is insane - especially for those of us taking out loans in this specific window)