If you only have Federal loans (which are about 90% of total disbursements), you will qualify for income based repayment. That means that you will never pay mor

If you only have Federal loans (which are about 90% of total disbursements), you will qualify for income based repayment. That means that you will never pay more than 10% of any income over 1.5x the Federal poverty level. It will also be cancelled after 20 years of payments. I would vastly prefer more direct subsidies though.