I am currently in an IBR plan. I am trying to switch to REPAYE through Navient. When I called I was told I would have to make a 1 time standard payment to switch since I have used all and thus do not have any voluntary forbearance time available. I can not afford to pay the standard payment at this time. Is the information I was given accurate? Am I stuck in the IBR plan unless I pay the standard payment of $1,200?

Any help is greatly appreciated.

Thanks