I hadn't seen one of these for post 2018 so I thought I'd start one. Here we go
My debt: $83,000 (undergrad and law school), currently held by fed govt at around 6.5% interest.
Income: $97,685 before taxes and deductions, looks closer to $63,000 after all that. I can't do side hustles using my degree (law) to generate extra income because of laws regarding the scope of my practice and my malpractice insurance. So the income is always going to be what the salary is.
Current monthly payment: $900
Current payment plan: Since I work for govt, I'm currently enrolled with PSLF but I'd still have like 8 more years to go before I became eligible for forgiveness. I'll be changing jobs in next 6 months and will either be 1) doubling down on public interest and making 20k or so less OR b) just going all Biglaw making ALOT more (in which case I'd refinance and try to pay it off by 2020 or, in any case, before 2020 elections).
So this thread is for anyone trying to pay those loans off, tips on refinancing, PSLF (and whether it will even continue to exist), weighing the pros and cons of each. I'll add more info as clarity re: my job solidifies. But this is just so there's a thread going into 2019.
