I'm wondering which repayment plan to pick after being kicked out of REPAYE/SAVE which I've been on since 2020. The website recommends the PAYE plan for me because it is the lowest monthly payment, however I have heard that plan will eventually be taken away as well. Are they still letting people apply for PAYE? It does make sense to get on PAYE and ride that out until it's done and then switch to IBR, right? For what it's worth, I'm also making payments on private student loans right now and have approximately 3 more years of payments on those.