hi!

so i (23M) graduated about a year ago and because of repayment starting back up again in october, i want to figure out a plan now to repay my loans.

i currently owe about $14,000 and i am also trying to pay off some credit cards. both of them are about 2k and i am currently trying to get a part-time job, so that i can pay those off and then focus on my student loans before october hits. i am a teacher, so i am on break right now, hence why i am trying to get a job to work full-time now and switch part-time when school starts again.

i just do not know which repayment option is best? i was in a financial literacy workshop in my last year of college and the guy reccommended that we go for an income-based repayment plan, but i do not know whether i would qualify. i currently have a roommate, but we are not together or anything, so i’m basically by myself. any advice would be appreciated! 🤍