What is everyone else’s thoughts/plans on student loans? I’m over 200k, 10 years into PAYE. Haven’t recertified since before Covid. My account says my next payment is due in August, but no amount is listed. Says my payment amount will be shown 3 weeks before the due date. Not sure what I am going to do if my payment amount jumps to 3k/month or something crazy like that with a mortgage, kids, etc.

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I’m supposed to be in an IBR program, but because the court rejected President Biden’s plan last summer, I was placed in an extended forbearance. I understand that the government wants to tweak the public interest forgiveness program as well, which could financially cripple many attorneys in public interest law.

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The general public is too stupid and/or resentful to understand this 100% spot-on analysis. And the politicians are all over it feeding the narrative for their own benefit. Hopeless situation

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I am a government lawyer who was expecting PSLF to work as advertised, but with each new political regime in the WH, the program was changed. Up until Biden's efforts, I was looking at paying my loans until I was in my 70s!

I paid in 20% of my terrible government salary for 20 years. I was finally set free in 2023. You will get through this, no matter what. In the end, it worked out for me but I was sweating every month for years.

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Thank you for that encouraging word. Some of us were paying on the loans, but then had to stop due to financial hardship.

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I chose to go to public school, took out loan, quickly repaid all in couple years. Private schools are expensive, but the good name got you a high paying job.
New associate year 1 makes over $200k/yr. Partner could be paying $30k to $40k/m? $3k is prob not the amount to complain about.

I think it's great your experience has been new associates making $200k a year, but that's definitely not normal everywhere. Pay is heavily dependent on legal practice area, geographic area, and just what kind of degree pedigree you have. For me $3k isn't something to "complain about" because I absolutely don't have it to spare. I'm likely going to be on a loan debt treadmill till I die as I have zero confidence that these income based repayment programs will ever lead to loan forgiveness. The system is designed to take advantage not give one and that's now more true than ever.

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