thoughts on this approach?

Advice

I'm riding out SAVE untill I get the email in July from MOHELA to move plans. I owe about $38,000 right now and have been aggressively paying down my loans for a year (started with $74,000 this time last year). I've given up on PSLF so here's my thought: by the time I need to move plans and start repayment (September) my balance will be $28,000. I want the lowest repayment amount possible so I can keep putting all my overpayments to my highest interest loan and knocking them out (I put 1k a paycheck towards my highest interest rate loan). My salary is $99,000. Using the student aid repayment calculator if I pick a graduated plan my repayment amount on $28k would be about $160 a month to start with the amount increasing in two years. If I keep paying a little over 2k a month towards my loans I should be done by November next year, well before the 2 year increase.

Am I missing anything? Is this plan a solid way to keep my required payment amount as low as possible while doing the avalanche method to get rid of these loans asap?

Posted Apr 6, 2026, 1:21 PM UTC

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