Mera | Borrowed Money 🎀
Region: US
Thursday 13 August 2026 02:54:59 GMT
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kellyrunss :
It’s the negative amort that gets you. My understanding is the RAP has no negative amort. What about the others?
2026-08-29 16:08:45
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b :
Does it make more sense to the standard plan on 20 years? I feel like it makes the most sense (I am a young attorney and I took out a lot of loans for school- the 10 year plan as me at 2400 a month).
2026-08-15 00:53:52
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Lvoutlaw17 :
Why do people not do standard repayment and get it done in 10 years? Genuinely curious bc that’s what I’m doing
2026-08-14 04:59:36
2
marinajeandiary :
Thoughts on refinancing some of the loans? For example i have ~210k in loans with about 100k of it being at 7% interest which is pretty damn high 🙃 the other 100k is between 2-5% which is much better
2026-08-15 16:27:15
3
Morgan :
My income under RAP was double what just my standard repayment is. Just letting them roll into standard at this point
2026-08-14 14:23:31
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Nicholas_ :
What would be your recommendation for low middle class earners making approximately 70k?
2026-08-14 00:44:15
5
Phoenix :
My rap is 2200 a month. Standard is ~$900 and won’t change. Since I’m consolidated, it’s a 30 year standard. If I pay ~ $1500 (still massively lower than the $2200) I can pay the balance in around 11 years and actually save more overall than I would have done under rap.
2026-08-14 12:58:59
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User110141910 :
Which one would you pick as high earner if trying to pay as less as possible due to private practice paying it off throughout the years
2026-08-23 03:37:19
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li_7721 :
What if you’re 4 years into a PSLF and working for govt and high earner ?
2026-08-15 03:54:48
1
Alexanderrrr :
Can you explain this more ? Like I don’t fully get it
2026-08-13 05:20:25
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ConBothSidesLikeChanel :
Very important PSA! And I believe if you switch to IBR later (aka your payments get too high under RAP) your payments under RAP will not count towards forgiveness
2026-08-14 17:28:29
1
Maya :
What drives me nuts is they wont even give me option of the 10 year repayment anymore, the only show standard extended bc of my loan amount. But I would LOVE to pay it off. Extended makes so much more interest kick in.
2026-08-15 00:49:42
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em :
Yeah all of the income driven repayments were more than any of the other plans and nearly more than the standard repayment plan. Went with the graduated
2026-08-14 21:32:56
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SoftSkiinBeauty :
its funny because my standadd plan payment would be $2200 and end in Q1 of 2036. Whereas if I did RAP, my payment would be ~$2080 and end in Q4 of 2034.
2026-08-14 18:27:48
2
user2765724277415 :
Opinion on pre tax HSA/401k contribution for lower ibr rate?
2026-08-17 23:41:19
1
nosenerd :
Define high earner
2026-08-14 00:18:42
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JennaInProgress :
Make sure income based federal student loan plans even make sense if you’re a high earner hoping to get loan forgiveness 👀
2026-08-16 18:07:21
1
Lidia Gabriela :
What would you consider to be a high earner ?
2026-08-14 23:51:44
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