Comments on: Student Loan Plan: Moving from IBR to REPAYE https://studentloansherpa.com/student-loan-plan-moving-ibr-repaye/ Expert Guidance From Personal Experience Tue, 20 Jul 2021 15:29:34 +0000 hourly 1 https://wordpress.org/?v=6.7.1 By: Anne https://studentloansherpa.com/student-loan-plan-moving-ibr-repaye/comment-page-1/#comment-1380 Wed, 15 May 2019 09:30:47 +0000 https://store.eptu0ncx-liquidwebsites.com/?p=5338#comment-1380 In reply to The Student Loan Sherpa.

Old thread I know, but I was thinking it would matter if she is not in PSLF and he is. In that situation, they might not want the interest to capitalize on her loans, but don’t care if it does on his.

]]> By: The Student Loan Sherpa https://studentloansherpa.com/student-loan-plan-moving-ibr-repaye/comment-page-1/#comment-1379 Tue, 06 Feb 2018 18:18:00 +0000 https://store.eptu0ncx-liquidwebsites.com/?p=5338#comment-1379 In reply to Anthony.

If your entire loan balance is eventually forgiven tax free und PSLF, then the capitalization would not matter.

If you are filing jointly, what purpose would it serve to have your spouse stay on IBR? Wouldn’t the lowest payments result if you both signed up for REPAYE?

]]> By: Anthony https://studentloansherpa.com/student-loan-plan-moving-ibr-repaye/comment-page-1/#comment-1378 Tue, 06 Feb 2018 03:59:00 +0000 https://store.eptu0ncx-liquidwebsites.com/?p=5338#comment-1378 Am I correct in believing that the extra interest capitalization would not matter if I’m enrolled in Public Student Loan Forgiveness and have zero expectation of coming anywhere close to paying the loan off?

Also, does it screw up our payments if my spouse, who has her own eligible loans and w/whom I file jointly, sticks w/IBR and I move from IBR to REPAYE?

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