Question for other people with student loans. When the deferment period ends are you planning on making a lump payment or are you going to wait to see what (if any) student loan forgiveness comes through before you pay?

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I plan to refinance to a lower rate once the forbearance ends.

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Interest is frozen, now is a great time to chip away at principal and refi in the future to improve cash flow

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Mathematically long term investing wins depending on your loan interest rate, but there is a lot to be said to get from under the loans while also investing. >$1,000/ mo for loans is brutal and impacts lifestyle

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I have just less than $10k in federal loans at pretty low interest rates. If the payment deferral ends I'll make smaller payments than I would normally even though I could just pay them off. I'm still basically looking at it like a risk-free bet: if they get forgiven, great. If they don't, bummer but I can still pay easily. I just don't want to risk paying in bulk and then see forgiveness is announced because I'll just feel like an idiot.

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I’ll probably just refinance if it doesn’t look like we’ll get permanently lower interest related on fed loans. Might do just a portion to keep some federal with the protection that provides even if I pay a little more in the long run.

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