Parent Plus Loan from 2011 advice
We had college loans for myself, my husband and then my two children. We have paid off 3 out of 4, but am in limbo for the last group. PPL loans for my daughter were consolidated a long time ago and the payment count is at 241 according to the printout we are getting from Nelnet. Original loan balance was 120,000, with interest is now over 180,000. There are all federal loans (no private). We had thought the company my husband worked for (PPL in his name) would qualify for PSLF as it is a not for profit, but the not for profit code is the wrong kind.
We never went on SAVE, but the payments are in forbearance. I don’t want them in forbearance because I want to get closer to 300, but the payments are just not possible. What plan should we go on? Forbearance ends this month. I have red this sub for months, but I still am not sure what is the best path with the lowest payment. I am about to retire in four months but will be getting a pension and we have always filed jointly. My husband is not retiring and since they are in his name, I am not sure if I should file separately.
Any advice would be appreciated!