Today, I was getting information about, analyzing and debating PAYE vs. IBR, and I finally decided to re-certify into PAYE. I tried to stay almost until the last minute before making a move. Maybe, as you said, waiting could be good sometimes. I hope I did the right thing!

In my humble opinion, there is a lot of uncertainty, but we need to bear with the situation, stay informed, be patient and keep our spirits positive. I refuse to think that this situation will cause a massive damage, as in a doomsday scenario. I do believe that there has to be a fairly healthy solution for this complicated issue. And I am not making any political statement or so here!. Please, consider me a non-political person!. At least, I would try to be positive and keep my mental health on check.

Thank you!