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I still two years away from getting into med school, but I am totally worried about finance because I have a wife and a kid. I've learned about the IBR program, and that residents can choose to pay 150% of the difference between their income and the calculated poverty line income. However, I was wondering what happens after residency? do they keep making repayments based on their income? I am asking this because I've read somewhere that to qualify for this program the household income shouldn't exceed 100K/year.