It depends how strong you are in spirirt and how awakened.
The default is that you are controlled by an external system, get shown whatever you need to agree to stay, or you are forced, you get a memory wipe and reincarnate. Karma is a human fabrication to justify castes, it doesn’t matter at all in this system. The muslim thing is also humans playing games on other humans. These are lies.
Get stronger and aware you can choose your own way. That way might be a self created fantasy, a shared fantasy like “heaven” or “hell”, of which there are many corners of the astral playing out many versions, or there is much more to do. You could incarnate as a lot of different sentient beings, some that live for thousands of years, you could carry on ascending, you could become an ascended master, or something even less defined than that.
You might find you start remembering old relationships that are still relevant and want to revisit those. Just places in the astral will get boring after a while, particularly for Earth humans who are very used to an incredibly varied and creative environment.