Need Advice on New Payment Plan
I'm currently on the SAVE Plan. A few weeks ago I tried to calculate new payments for an IDR and it was giving me a massive monthly payment of like $900 a month, which I can't afford (that's almost 1/3 of our monthly income). I'm sure it's because for 2025 taxes mine and my spouse's income significantly went up (I was working full-time and he got his military bonus). However, our income this year has gone down significantly as well, I lost my job and the market is awful and my spouse isn't getting a bonus this year. There is no option to include this in the IDR calculator. How can I get this to reflect? What option would be best to do now that SAVE has ended? I CANNOT afford $900 a month, and while I'm trying my absolute hardest to find employment again, it's proving difficult.