Grad Student - need clarification

I started grad school last year. I took loans then, and will continue taking more until I graduate in 2028. All of my existing loans are federal, and about 60% Grad PLUS. (As an existing student not sure if I will be forced to take private after I hit the new "professional" student $250k ceiling?). I'll graduate with approx. $310k before interest.

Since I'm straddling both sides of the "existing borrower" line, which payment plan will I be kicked to? And since I intend to do work which is classified as Public Service after graduation, is the forgiveness period still 10 yrs or is that changing? (And is that only for the federal loans? If it turns out I am forced to take private loans, would they be forgiven under PSLF as well, or carry on after that period?) Any clarifications appreciated. I have no idea what's going on.

Posted Jul 5, 2025, 10:26 PM UTC

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