Income based repayment plans solve most of this for the 90% of student loans that are federal. You only need to pay 10% of your disposable income (income over

Income based repayment plans solve most of this for the 90% of student loans that are federal. You only need to pay 10% of your disposable income (income over 1.5x the federal poverty level). If you don't have an income, you won't pay anything.