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First, I'm talking about DS (my son).

Second, DS received a statement from ACS that his IBR payment was zero. He was unemployed at the time. I just ran the calculator (he got a job and just finished his income tax). His new payment should be around $20.

Finally, based on my conversation with ACS (and a very confused-sounding interlocutor there), DS started with 6 credits or half time, then dropped one class.

So apparently the IBR went away when the in-school deferment was executed by the school (without DS's authorization--he paid cash for the class). When he dropped below half time, he got put on standard repayment. All grace periods had long since gone away.

So without warning, he was suddenly faced with $260/month of payment in his $10/hr job.

Apparently he needs to refile for IBR.

He's supposed to get a phone call from a supervisor at 10 AM today.
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