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.

SAVE ended so I went to IBR and payment went up. I’m recertifying due to a change in family size. PAYE is $80 lower than IBR.

But PAYE will go away soonish.

Am I okay going to PAYE as long as I can and coming back to IBR, or will the PAYe payments not count towards my discharge?

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morbie5

1h ago

Top 1% Commenter

so I went to IBR and payment went up

Did you already switch to IBR?

AnonRifleman73

1h ago

Yeah this summer when SAVE ended. And was on IBR for many years before that.

Professional_Day6200

1h ago

Top 1% Commenter

PAYE will only be around until 2028.…