Question about old loans and future new loans while working and going to grad school. Keep deferrment or make extra PSLF payments? Wait for RAP?
So I will be entering graduate school and will take out new loans this Fall. Im currently working for an org that is approved for PSLF and will stay throughout my career. Since I will be taking out new loans, that means my old loans will be put into RAP instead of IBR correct? If so, would there even be a point of me making PSLF payments while I'm in school and working? I'm considering keeping the old loans in school deferrment while doing graduate school. Then when I finish, just put it all into RAP since the RAP payment doesn't change regardless of balance. Is this correct?
Also extra question, since I am married filing jointly, I will be using my checkstubs for income verifcation. Anyone had success doing this instead of using AGI? Thanks!