Selected IBR but…
My wife and I were stressed out last week because she had to switch out of SAVE. We chose IBR but now I’m wondering, PAYE was available to choose (though it was super expensive) and I think it was PSLF eligible (and cheaper), but it only will be valid until 2028, then you have to choose another plan again.
We picked IBR not because we really wanted to, but just didn’t want to have to pick again in 2 years.
BUT, I’m thinking that we should’ve chosen PAYE just to have lower payments for a bit, as she’s only 47 payments away from 120 and though it seems like her choice has already gone through according to the emails from Mohela, but I’m wondering if it’s too late to change to PAYE.
Can anyone help? Does PAYE, while it lasts, count towards PSLF and does anyone know if she can change her choice?
We’re willing a call to Mohela, maybe a long wait on hold might be worth it.