I don’t know what plan to select can anyone help?
Hi. I currently have 36,000 in Mohela loans, none are private. I’ve been in an administrative forbearance due to the IDR plan still not being processed yet. My standard repayment plan is $432 a month. It is tough for me to afford that because I don’t make much… at all.
I don’t know if I shoukd leave my loans in forbearance until the IDR plan goes through or if I should select the lowest plan. My only concern is the payments on the lowest plan doesn’t qualify towards PSLF. I just don’t know what to do or where to go with this anymore. The number just keeps going up and I just need to get started somewhere or somehow. My lowest option is the extended graduate repayment plan at $196/month but again those payments don’t count towards PSLF.
Posted Dec 3, 2025, 1:40 AM UTC