I messed up BIG time. Filed taxes jointly and my IDR payments doubled. I can't afford them now- what do I do? I have around $70k in students loans and after recerting my IDR my payment doubled 😰 I was NOT thinking and filed jointly with my current husband. Apparently it is impossible to refile as married seaprately after filing jointly - NO way around it I make a $3600 a month, post tax. My husband makes far less than that. They hit me with $650 a month. We can't afford this payment!!! We are already so broke and have a very humble lifestyle. I work 3 side hustles on top of a 40hr week job to save ANY money. I can't refile....I am already burning out to stay afloat. CC debt to pay down. Mortgage. Car payment. Healthcare. Insane inflation costs I am so tired and so depressed and so hopeless already - and now an even bigger payment? Do I just not pay? I figure I can not pay until riggght before I go into forbearance...make a payment....and then not pay again. So my credit takes a hit - but not a terrible one?…