SDN Members don't see this ad. (About Ads) My loans will default from grace soon. who all are doing IBR? Is it the soundest way to go vs traditional 10 yr repayment etc? The guy who came to give us a talk before we graduated made it seem like it was the best deal for a resident. From what I understand Subsidized loans do not accrue interest. But can I pay more than the amount they calculate I should pay. Ie if I want to pay the loan off faster. please enlighten!