u/Playful_Inspector817

What is best option?

Husband currently has $288,000 in student loans.

He’s a chiropractor that makes about $135,000 after taxes.

I’m a stay at home mom with 1 child. I am open to working, obviously, we are in a very expensive area (Seattle). Child care costs are willllllddd. So we figured I would literally be working for child care.

Should we do IBR? Pay aggressively? What might the tax bomb be if he is still making about $100,000-150,000/yr? We live below our means and just trying to make best financial choice. This is really our only outstanding debt. We rent and almost have both cars paid off, I don’t have student loans.

He started making SAVE payments about 2016 so almost 10 years ago, so guessing we have about 10-15 years left.

Do years count if we didn’t make payments during COVID years and while they have been on pause with the govt trying to figure it out, or do those years not count toward the 25 year forgiveness plan?

Any and all advice is appreciated! If I don’t laugh, I’ll cry 🫣