u/Cute_Search_4277

I need help with my student loans. I am so lost. Thank you for all you soldiers fighting the good fight! I will pay it forward!!!

I have Grad and Undergrad loans

Grad are PAYE 13 loans 120 K

Undergrad IBR 4 loans 10 K

Mix of sub and unsub

PAYE loans show as qualifying for PSLF I currently have 96 of 120 payments.

I am up for recertification 6/15/26

My payment is set to increase to 1400$ due to my household AGI of 230,000

Ed financial told me tonight I could switch to ICR for a 120$ payment but Student.gov said I wasn’t eligible.

Any advice? 😭