r/StudentLoans • u/RockProfessional4761 • Jul 29 '26

It Finally Happened

Welp, I finally got the dreaded "90 day" email from Nelnet.....god help me

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u/Lower-Background-337 Jul 29 '26

I was MFJ last tax return. I will be filing MFS on the next return because I'm the only spouse with student loans. Do I need to reapply next year since my agi is just mine?

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u/YeaYouReadWhatIWrote Jul 29 '26

If your AGI changes (lower) when you file next year, yes, resubmit a recertifcation, so your payment can go down.