Yes- there are federal repayment options, but it just seemed to complicated, drawn out, and uncertain for me. I would probably guess about 99% of my classmates are doing some kind of federal or state loan repayment option. I just don't like debt hanging over my head especially if my occupation is to perform a service on a human being. I want to be able to sleep at night. That's why I live where I live, why I'm living way below my means..after a while you get used to it. I see so many of my classmates buy the fancy car, clothes, or live in that tall high rise apt.
Someone said to me once: "You have status already, no need to spend lots of money on those things." What's important to me now is less stress and good health until I am able to figure out what my next move is. In the meantime, I'll be ready for my next move because I'm increasing my skillz, and saving up.