Em ☀️
Region: US
Wednesday 15 July 2026 17:43:53 GMT
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unmarketable tomato :
Do not fall for this trap. If they mess your payment plan up when you recertify, they will with no hesitation pull out thousands from your account and you’ll have a hell of a time ever seeing it again
2026-07-16 00:08:23
4
Carrie | real mom life :
How is your payment $0 😳
2026-07-15 21:54:53
7
maddietheot :
I’m on the IDR plan but when I went to go set up auto pay it has me at the amount i would have to pay if i wasn’t on IDR. Is this happening to anyone else
2026-07-19 05:31:05
4
semcdonnell :
What if you are already doing an auto payment?
2026-07-18 10:15:06
1
Jweli :
lol I’ve been trying to get auto pay set up with MOHELA for like 5 months and still haven’t done it yet. Terrible
2026-07-15 21:35:37
4
Brianna Lieblang :
Will I be able to benefit from this now? I don’t have to start making payments until February
2026-07-16 03:30:30
5
Rachyl Harmon :
I set mine up and it didn't work please help me
2026-07-17 14:14:31
5
JAYCEE MCCOY 🎀 :
I just got approved for IDR thank godddddd
2026-07-15 21:08:45
2
Khammyy :
Omg Where and how did you consolidate your loans!!
2026-07-15 21:51:13
3
Grace Lanker :
1% makes a huge difference!!
2026-07-16 00:34:24
4
Rebecca :
My sons loans don’t start repayment until December (he just graduated in May). Can I still take advantage of this by signing up now?
2026-07-17 22:37:39
2
Digital Mana :
Setting auto pay is one thing right for 1% interest rate reduction but it's not enough to tackle principal loan balance. Unpaid interest rate accrues every single day, whether it's on IBR, ICR, or PAYE, whereas RAP, however, has zero negative amortization; in other words, the government waives unpaid accrued interest if paid full on-time for every month.
2026-07-16 16:22:25
1
Nicole Roper :
Can you explain why people do consolidation? I have heard pro and cons.
2026-07-15 20:28:48
2
mitlee_13 :
I thought the RAP plan didn’t allow for negative amortization? If your payment is $0 anything over your minimum monthly payment that accrues will be written off I.e. your balance won’t grow if you’re on RAP.
2026-07-16 02:34:03
0
Edwina of sense :
How did you consolidate your loans without going private and then how does the 1% apply? That’s supposed to be only federal
2026-07-19 22:33:42
0
Kierra Runyon :
Link to this top?
2026-07-15 21:20:17
6
emily_scurka24 :
Will it automatically decrease if you’re on an IDR and auto pay is already set up
2026-07-15 21:15:24
7
Hayleigh Bult :
omg this is so good to know!!!
2026-07-15 19:15:32
5
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