Simulator shows ICR forgiveness should I switch to ICR from SAVE?
I really got screwed when I consolidated my loans into a DIRECT loan and into SAVE back in September of 2023, as the Dept never completely calculated all the months of deferment since 1998 and I never got any golden email.
A few months ago the SIMULATOR was showing IBR would bring forgiveness. Now, IBR shows $888 monthly until 2038 - but ICR is $0 monthly and immediate forgiveness.
PLEASE HELP ME WHAT SHOULD I DO - CAN ICR WORK FOR ME? OR JUST WAIT ON SAVE...
Posted Oct 10, 2025, 7:21 PM UTC
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