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How's disposable income calculated? Also, once you have your raise, I assume that while you payment might be at a similar level, your take home would still have increased?
Discretionary income is actually the correct term, I mis-typed when I said disposable.
And it’s anything over 225% of the poverty level in the state you live in. In my case, anything over $33,885 is considered discretionary. Last year my gross comp was $110k, so the payments were 10% of 76,115, which shakes out to about $630/month. I’m looking for work in the 120-140k range, at which point I’ll just be dumping gobs of my money into my student loan to get it paid off in a few years and be done with it.
I’m not desperate for forgiveness by any means, but life would have been much easier without these payments up until now. The 3 year hiatus gave me the opportunity to get ahead in so many things, including being positioned to buy a house a year and a half ago after a small bit of help from my (now ex) wife’s rich aunt/uncle. The gift wasn’t enough, but it got us over the hump after we were able to save all that money we were putting into the student loans.