u/Free_Entrance_6626

Hello everyone,

I really appreciate everyone's input.

I took out med school loans between 2017 and 2021. Consolidated in sunmer 2021 and chose the REPAYE plan. Then got on the SAVE plan later in 2022. Then the pause hit and have been on SAVE forbearance since then.

Now, do I need to do anything before July 1? I got an email saying I should choose between RAP and standard tiered plan. But I want IBR (New IBR).

Will I be able to get on the new IBR plan after July 1 or should I enroll now?

And I don't need to consolidate my loan again right? Basically just sign up for IBR when they force us to choose a plan?

Thank you!