Don't forget that if you have a sufficiently low income, you can suspend payment on your student loans for a year at a time up to three years with no penalty. I

Don't forget that if you have a sufficiently low income, you can suspend payment on your student loans for a year at a time up to three years with no penalty. I think it is called "forebearance". Unfortunately, now I am making a salary and next year I will have to start paying my loans again :\