I’m getting married soon. I have about 97k in loans and am close to three years in on PSLF-qualified IBR payments. I’m all set up at Fed Loans and certifying my qualified payments every year.

My question is: should I look into PAYE?

When I last looked into this, about a year ago, there was a lot of concern about PSLF through PAYE being capped at $57k. I obviously want to avoid that at, so I stayed with IBR.

Is there still a danger of proposed caps only extending to PAYE (and now REPAYE)? Is it a safe bet to stay with IBR in the hope that I am grandfathered under the old rules?