Hey everyone,
I’m really stressed because my payments have suddenly shot up and are now way beyond what I can afford. My regular monthly payment is now $999.86, up from $394.59. I missed a few payments (around 3), so I’m guessing that’s why it’s so high. My past due amount is still $394.59. 
I only make $1600 a month, so a $1000 payment is just not doable for me. I was thinking about applying for Income-Driven Repayment (IDR), but it looks like that might not be an option because of some legal stuff?
What can I do to lower this payment amount? I can manage $395 a month, but not $1000. I’m really worried that if I can’t figure something out, I’ll end up defaulting on my loans again, and it’ll be even harder to get back on track.I’m open to any advice or solutions. I work at a public library and was checking out Public Service Loan Forgiveness (PSLF), but it seems like I need to be in a specific repayment plan for that. IDR seems up in the air right now.
TiA
to find areas where you can reduce spending.
Concentrate on essential expenses such as housing, food, and utilities.
, and subscriptions.