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I am finally coming up on the deadline for choosing a new student loan repayment plan, and I am so fucking infuriated that my options are: 1) Payment that is 8x what it was under SAVE, on a plan that sunsets in two years. 2) Payment that is 8x what it was under SAVE and resets my forgiveness clock.

3) A variety of plans with payments ranging from 12x - 15x what it was under SAVE, all of which reset my forgiveness clock. At the very least, I will be paying back 2.2x as much money as I initially borrowed.

Most of the plans, it'll be closer to 4x as much as I initially borrowed. I'm going with Door Number 1, in the hopes that a Democratic Congress will do *fucking something* to fix this before summer 2028 but jfc I should not be going through this and neither should millions of other borrowers.

"Pray I win the lottery" is really not a viable financial strategy.