Thanks for your comments. Overwhelmingly majority of my loans are either federal, or a type of loan (GradPLUS) which you can consolidate with federal and get d

Thanks for your comments. Overwhelmingly majority of my loans are either federal, or a type of loan (GradPLUS) which you can consolidate with federal and get debt forgiveness on. So yeah I've factored IBR into my plans, and might do public interest for the debt forgiveness (and because I don't have a lot else going on at the moment anyways). Even 10 years is a long haul though!