Unsure which plan to choose. IBR, ICR, or standard

[u/WarMagnamon]

Here are my current options - https://imgur.com/a/un0QBjs

When I graduated, my minimum payment was $360. For the last three years, when no interest was accruing, I paid $360 every month, and most of it went straight to principal. I plan to keep paying $360 every month, so the overall interest and payoff are the same for every plan I choose.

I feel like I'm overthinking this... I want the benefit of paying extra to bring the higher per diem loans down while pushing my next payment date further out (my current next due date is Nov 2028). It seems like the IBR plan is the best option until the government changes over.

I am not PSLF eligible.

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[u/Betsy514]

You will be due long before 2028. That's just a placeholder. Personally I would do the standard plan and pay the extra to the high interest loans