<prompt> Human: Sorry if I am asking about something outside of the scope of this subreddit. Ive heard that recently an executive order was signed that limits the size of SL payments to 10 of the debtors monthly income. Currently I owe Sallie Mae and Nelnet more than 10 of my monthly income, so how can I go about changing the amount of my minimum monthly payment? I have not seen this executive order mentioned anywhere on their websites...Because I took a long, winding, and painful path through college I actually have a lot of different loans and two loan servicers Sallie Mae and Nelnet. So I am not sure if I can total up the amount I am paying to both of them in order to keep that monthly total below 10 of income, or if it will be 10 to each of them.  <response>: An article said it would be available by December 2015 so I dont think you can do it yet. More importantly, do you need to switch because youre about to default or because you just want a lower payment? This plan reduces your payment but youll pay more interest over time so its not really a great idea if you can otherwise afford your payments. 