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Message: <blockquote data-quote="RangerBob" data-source="post: 21467492" data-attributes="member: 494940">The guy linked above does seem to have some good advice. Who did your wife refinance with? If it's a private loan unfortunately that isn't taken into account with PAYE/REPAYE. If it's a Federal Loan, she could switch back to REPAYE and then your total family loan payment is 10% of your total family income. What specialty are you going into? Sometimes PSLF doesn't make sense if you can pay it off quickly. If your wife is making $160k, and you're a physician, you might be able to pay off those loans very quickly. But if you do end up at a PSLF-eligible job, the smart thing to do may be to pay the minimum on your loans, and pay your wife's off ASAP (if hers aren't eligible for forgiveness). Once hers are paid off, re-assess the situation, and if you stand to gain more from PSLF than aggressively paying down your loans, consider putting extra money each month into an investment account or other "slush fund" technique in the event PSLF falls through.</blockquote>

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