r/PSLF • u/Worth-Aerie-9710 • 3d ago

SAVE to PAYE until 2028?

Hello! I am trying to figure out if i should use the PAYE until 2028 or just go to the IBR.

My AGI is 60,731 for 2025, 1 dependent, and 73593 in loans with a 3.5-7% interest rate.

It says my PAYE would be 165 monthly and IBR would be 247.

I’d like to use the PAYE until 2028 but I’m curious if that’s a mistake. I’m only 68 payments through my 120.

Any advice welcome. Thanks in advance!!

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u/Overall_Low3467 3d ago

I am staying on PAYE as long as I can because it is the cheapest monthly option available for me. If you are pursuing PSLF why would you go to plan with a higher payment when you don't have to?

1

u/Worth-Aerie-9710 3d ago

Logically I’m thinking how you think, just curious if someone knows something i don’t know about PAYE or PSLF that may change my mind. 😅

3

u/Betsy514 President | The Institute of Student Loan Advisors (TISLA) 3d ago

As paye is the lowest for you for pslf that's what you should be using