在 · one honest question
MOHELA reset my IBR cap to current balance after SAVE ended. Is this right?
A direction, not a prediction — read through the Chinese lens.
The direction
You do not need the whole road. You need the next hundred metres.
No account, no card. One question, one direction.
In someone's own words
“I entered IBR in 2017, wa later moved to REPAYE/SAVE, and ju t got approved back onto IBR. MOHELA' new payment appear to be a 10-year tandard payment on my current balance, including accrued intere t. My under tanding i that under 34 CFR 685.209(f), the cap hould be ba ed on balance and intere t...”
— a real post, kept anonymous
What this question usually is
- Feeling behind is usually a comparison problem, not a progress problem.
- The map you are reading was drawn for someone else's start.
- Most people are not lost. They are just reading the wrong sign.
問
“You keep asking because you think someone has your answer. They have theirs.”
One question in. One direction out.
A reflection, not medical or financial advice. If today is heavier than words, findahelpline.com lists real helplines near you.