I am having difficulty making decision about which loan payment plan I need to apply for. Btw, I have graduated from one of the most expensive school (you know which), and I believe income driven payment plan would be beneficial. Currently, my student loan is a little bit less than 600k..(yes, scary number). And, assuming that I earn about 350k per year (on average for several years from now), PAYE will have total amount paid of ~$950k within 20 years, while REPAYE will be ~$1.28M within 25 years. (10 year plan would be $790k for 10 years, but I can't pay monthly payment of $6600 for ten years from now). Looking at the number above, PAYE seems to be better choice for me than REPAYE. The benefit of REPAYE is that they discount half of the annual interest. And, someone mentioned to be that if I work in the public service for one year during my 19th year, I can switch from REPAYE to PAYE, and finish off at 20th year, which will bring the less total amount paid within 20 year, comparing to straight PAYE plan for 20 years. Or, start with REPAYE, and have the benefit of discount on annual interest, and pay off the whole loan asap. Does any of you guys have any idea if that is a correct and reliable strategy? Or, do you guys recommend for student loan consultant? Thanks for reading.