SAVE program with LRP and PSLF
I'm having such a hard time figuring out what to do. My LRP payments are supposed to start ASAP (oct, but govt shutdown), but I am in administrative forbearance because I am on the SAVE program. I just checked and my monthly payments jump to over $2000 if I switch to a program that puts me not in forbearance (ICR was the only one I was eligible for). My LRP quarterly payments are 4X that amount. Should I just make the switch? I think I'm just scared for something to happen with my LRP payments and then I'm on the hook for $2000 per month. I was thinking I'd had LRP decrease the amount I owe and then I can recertify and owe a lot less per month, but is there something I am overlooking about staying in forbearance?
For reference I am at payment 49/120 in PSLF before the forbearance started.
Posted Nov 7, 2025, 7:04 PM UTC