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17 Jul

That’s because her spouse’s income won’t affect her loan payments under PAYE as long as the two of them file separate tax forms.

If she doesn’t qualify for the Pay As You Earn plan, Talbert should enroll in the newer Revised Pay As Your Earn (REPAYE).

She thought she wanted to be a nurse but quickly discovered science wasn’t her strong suit.After a decade of payments, whatever debt is left over will be forgiven.“The sooner you start payments, the sooner you get forgiveness,” notes Fred Amrein, a financial planner in Wynnewood, Pa.Jessica Ferastoaru, a student loan counselor with Take Charge America, recommends Talbert and other potential applicants fill out the form every year, or at a minimum, any time they change jobs.“You don’t want to be surprised years later if you switch jobs and were planning to have your loans forgiven…