Can I forget about trying for forgiveness? Me again (and thank you all so much for the feedback and sharing). 《《EDIT I have 176K now growing. People commenting to "just pay it" seem to not get that I need a plan, and I need to also save while I can. My goal is to survive! And not be broke at 85! thanks》》 I am 52. Only have 2 years clocked toward forgiveness on humongous grad school federal loans. I finally have a job making real money. But that means even IBR monthly payments would be sky high (almost close to the cap). This is my time to save. Who knows if I will still make this kind of money in 1 or 3 or X years. I could go to zero. I have an idea for what plan to choose but I need outside help to check myself. I got myself into this mess never asking anyone anything, so this time I need help. Is this crazy? My idea is to choose a standard payment plan but not a 10 year. I would choose the 25 year graduated extended one.…