u/Adventurous_Pen_7029

Hi guys, I’m currently in 190k of students loans due to grad school (and living expenses, I wasn’t fortunate enough to be able to afford living out of state where I got accepted) and I will be only making like 60-70k a year (this might even be a little higher than what I’ll actually take home) I start work as a therapist in a PSLF eligible job and just graduated so I’ll start making money soon. My concern with trying for PSLF is the requirement to be in an IDR plan. I’m worried that I will go into an IDR plan and pay less than my minimum causing interest to accrue and my actual balance being way higher than it should be by the time I actually qualify for PSLF after 120 payments.

My main concern: is it likely I’ll actually get PSLF if I lock in to the 120 monthly payments in an IDR plan? If there is some uncertainty of that I’m worried I could have just started paying the minimum (which is ~2.3k/month) to get rid of the loan in 10 years. I just worry that 2.3k is just so high and I live alone so I’ll really be struggling so an IDR plan sounds more appealing if in the end I’ll get forgiven. Considering I also took loans for school and living expenses, does this count for PSLF?

Does anyone have success with PSLF, and if so what EXACTLY do I need to do? I’m worried that there are too many loopholes that make it hard to actually qualify.

If anyone has any advice please do share, I gotta start paying soon 😭

Hi guys, I’m currently in 190k of students loans due to grad school and I will be only making like 60-70k a year (this might even be a little higher than what I’ll actually take home) I start work as a therapist in a PSLF eligible job and just graduated so I’ll start making money soon. My concern with trying for PSLF is the requirement to be in an IDR plan. I’m worried that I will go into an IDR plan and pay less than my minimum causing interest to accrue and my actual balance being way higher than it should be by the time I actually qualify for PSLF after 120 payments.

My main concern: is it likely I’ll actually get PSLF if I lock in to the 120 monthly payments in an IDR plan? If there is some uncertainty of that I’m worried I could have just started paying the minimum (which is ~2.3k/month) to get rid of the loan in 10 years. I just worry that 2.3k is just so high and I live alone so I’ll really be struggling so an IDR plan sounds more appealing if in the end I’ll get forgiven.

Does anyone have success with PSLF, and if so what EXACTLY do I need to do? I’m worried that there are too many loopholes that make it hard to actually qualify.

If anyone has any advice please do share, I gotta start paying soon 😭

Hi all! As you can see I'm looking for an apartment in the chicagoland area. My current lease ends beginning of July and rent has become too expensive. Looking for something a little more affordable (max 1,200, might be a little low but hopeful for anything). I have one cat and me and my husband both have a car so decent parking would be great. If you have any info please let me know! Open to private landlords

A little back story, I moved out of state to go to grad school and had to pay for tuition and living expenses, already had loans from undergrad that are included in this total but there was no way for me to continue my education to even get a job in my field (psych) without taking loans for grad school...very sucky situation. Currently feeling terrified of the repayment process and losing hope to being successful in eliminating my loans. I'm planning to attack the loans using the avalanche method (paying my minimum of $2.2k and plus some for the highest interest loan every month to continue making a dent) and was curious if anyone had advice or success stories to ease some of the anxieties related to student debt or how you managed living with such expenses.