chicagoboars

I've spent the majority of my adult life eating fast foods. I've been a semi-active person (jogging, lifting), but I've also had frequent bouts of down time from being active.

At any rate, I've finally made a change for the better. No sweets, no caffiene, no drive through burgers...I've eaten more apples in one week than I did all year last year...same with salads, veggies, etc.

My problem is this: I'm not at all regular now.

Is this just a case of my body needing to adjust to process foods differently, and if so, how long does the adjustment last?

I'm sure the answers will vary based on individual...I'm just looking for ballpark figures...meaning will I adjust in several weeks or several months, etc.

I hate feeling bloated!

I owe 106K on undergrad loans. Each year I keep them in forbearance and interest builds. If I started paying today, I will owe ~1200 per month for the next 30 years. I'm 40 years old now, and the loans need to be paid before I'm 55.

I cannot afford to pay 1200 and still expect to support my own family.

The Dept. of Education tells me that the unpaid balance will convert to taxable income when I'm 55 (which is obviously less than 30 years away!)

Is it cheaper to keep my loans in forbearance, and deal with the tax burden on reportable income of 200-300K when the student loans shift over to the IRS?