So here I was rolling along in the UFMC when I got an email yesterday that my personal account was below $25. I keep a $100 buffer and had another couple hundred in there allocated to a future CC payment, so I was very surprised. I logged in to the account and saw that I was indeed negative $33 bucks! Fortunately, it was only pending as most of the payments hadn't hit. The culprit was that my Navient student loans (set on IBR) had more than doubled in payment. I didn't receive any indication that this was happening, but fortunately, I caught it in time to transfer money from our joint account to cover it. While it'll be nice to see the student loan balance finally decreasing a bit, I was completely unprepared for this. I'll need to modify my direct deposits to ensure enough is coming in to my personal account to cover the new payments. While we can afford it, it'll mean slower progress on the other debt payoffs we'd planned to focus on.