Assessing Options for Move from SAVE

Advice

As many followers of this sub, I woke up to the worst "April Fool's Day" joke the Department of Ed could've given....the email about needing to switch from SAVE to another repayment plan in the near future. I'm trying to get my ducks in a row, as my big plan to knock out lots of my loan balance was thwarted when I got laid off last year.

Current Balance: $25,159.13 (which is ~$100 less than my loan provider Aidvantage shows)
Average interest rate: 4.4% (Range from 3.4%-6.8%)
Married Filing Jointly 2025 AGI: $87,821
No dependents
First loans taken out in 2011 (undergrad), most recent in 2020 (graduate degree)
Never consolidated, have ~2 years of payment already made.

When I do the math for RAP it seems outrageous and I am struggling to determine which IBR I might qualify for. Would love anyone's thoughts / input as we navigate this chaos together!

Posted Apr 1, 2026, 8:26 PM UTC

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