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. I dove deep into the options for my loans after SAVE and under various AI tools to dig through the docs, laws, etc.

The conclusion was for me to go to IBR, run the following studentaid.gov after logged in and session started (open a second/new tab and enter the following URL).

This gave me a lot of lovely information that helped me determine what I was and was not eligible to do.

MY loans range from 2000 to 2012. I have a few parent plus loans PRE summer of 2026 thankfully.

AI directed me to move to IBR, pay the required payment and I will be granted forgiveness when I hit (I believe) 300 payments. I'm approximately halfway there. Slightly over actually and my current work arrangement has my payments very low (I make little on paper, investments, etc. long story for another day).…