u/Either-Connection-70

I’m familiar with Sikh history and have a pretty firm grasp on beliefs.

However, I feel overwhelmed about practices. As someone who cannot speak or read Punjabi/Gurmukhi, I have a hard time finding resources that convey accurate and detailed information.

Will I only be able to truly engage in Sikhi if I learn the languages first? Any advice would be appreciated

I have a lot of student loan debt. One of the few sources of comfort is that it’s all federal and I thus have more payment options. It’s also helpful to know that my loved ones will not be on the hook for them if I die before they are paid off

I occasionally have panic attacks over the possibility that my loans will be sold to a private entity and that I will lose my protections. I also worry this will make the tax bomb a permanent policy rather than something that may one day be removed via legislation.

A recent article said that the move to the treasury department foreshadows a possible sell-off. How likely is this? How can I prepare?

Edit: said article: https://www.msn.com/en-us/money/personalfinance/what-happens-to-borrowers-if-the-government-sells-student-loan-debt/ar-AA1O8Gjm?apiversion=v2&domshim=1&noservercache=1&noservertelemetry=1&batchservertelemetry=1&renderwebcomponents=1&wcseo=1

I have been on old IBR for about 10 years (I graduated in 2016).

If I switch over to RAP, is 2046 the earliest date I can expect forgiveness or will 2041 (25 years of payments) still be honored?