Consolidating graduate loans over 40 000

26-Nov-2019 02:37

» MORE: Guide to student loan forgiveness You can apply for PAYE for free through your student loan servicer, or you can fill out an Income-Driven Repayment Plan Request form directly on

You’ll have the option to choose which income-driven plan you want, or you can check a box requesting the government pick the plan that will give you the lowest monthly payment.

You earn ,000 a year and owe ,000 in federal direct loans at a 6.8% interest rate.

On the standard plan, you’d pay 3 a month for 10 years.

If your circumstances are complex and you want to talk through your options with a professional, student loan counseling is available through nonprofits like the National Foundation for Credit Counseling.

The organization can pair you up with a certified student loan counselor in your area.

That could mean a big tax bill several years from now.

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“That’s a huge variable that people need to factor in,” Oghoorian says.The grads most likely to take advantage of PAYE are those who started borrowing college loans in 2008 and graduated in 2012, and those who took out loans for grad school later on.

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