Old IBR recalculation when pay has decreased
My pay has gone down substantially over the past two months due to illness/missed work.
I submitted my last 5 pay stubs instead of last year's taxes and confirmed over the phone with a rep that it would be calculated based on my most recent pay stubs, we did the math together and got to the same number.
Today I got a letter with a much higher monthly payment amount (aligning with my gross YTD pay averaged out, despite my past 10 weeks of pay stubs being drastically lower than that.)
I am resubmitting the application with a letter pointing out the reduction in pay, but does anyone have any advice on how to word things to ensure I don't get stuck with higher payments? I don't want forbearance, I want my payments to count toward forgiveness.
I've never had to recalculate based on temporarily lower pay but since I have no way of knowing what the future holds, shouldn't 10 weeks of paystubs be enough to calculate a reduced payment based on current income? I just added another pay stub so that's 12 weeks now.
Anyone have any experience here?