u/G_blessed3

I received notification that my loans will be forgiven in October 2026, at the present moment I am in a great deal of debt due to medical bills and my mother having passed away and funeral expenses. I anticipate signing up for RAP; hence, seeking suggestions and advice...should I immediately apply in July or should I wait until the latter part of the 90 days which then would be closer to my October date of forgiveness and buyback application submittance. I'm at 115/120. Any and all suggestions welcome. Thank you