SAVE Long Haulers, what's your plan?
Hey everyone, Looking for some insight from other long haulers.
I first entered repayment in May 2005 and again in November 2005 because one loan was not included when I consolidated. Under the new adjustment my tracker shows I am credited with enough time that the bulk of my loans would have been paid off in about 10 months, and one smaller loan in about 18 months.
Now I am trying to figure out the smartest path forward.
My tracker says I am eligible for ICR and IBR.
What would be your plan? • Staying put and waiting for RAP to process • Switching to ICR or IBR • Moving to standard repayment to finish it quickly • Writing a big check and being done with it, which I might be able to do in about 9 months
I would love to hear what others in this strange holding pattern are planning. The waiting game is getting old and I do not want to make the wrong move when I might be close to the finish line.
Thanks in advance!
Posted Dec 3, 2025, 1:33 AM UTC