Student loan payments resume October 2023, but missed payments won't affect your credit score until Sept. 2024. Are you planning on resuming payments?

The one year reprieve period will still allow interest to accrue on your loans. As a form of protest and in the hopes something might get worked out, I am considering not resuming payments until they affect my credit score in 2024.

I was doing some thinking and my loans are only at 3.4% interest, so with inflation being higher than that lately, I think I would actually be saving money by not paying. What is everyone else's plan?