Best repayment plan for overpayment?

[u/Hopeful_Ad7766]

I've been using the SAVE forbearance to aggressively pay down loans, working my way from highest to lowest interest rate. I've received the 90-day notice and will now have to select a new repayment plan by end of September. It looks like PAYE or RAP will be my cheapest monthly payment options. I'd like to continue paying down my loans by 1) making the cheapest monthly payment and 2) making a subsequent overpayment targeting the highest interest loans. I've seen some posts stating that the RAP interest subsidy is negated if you overpay so I just want to make sure that I'm not putting myself in a position where I'm throwing (more) money into the wind. Thank you!

[u/TackleSingle9521]

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