Hey guys just quick question. mine and my fiance debt is about 290,000, all federal loans, no private. our IBR would be about 850-900 a month. Our plan is to buy a house next year or the year after. My question is, bc im not really financially savy, should i forbear for a year and save for a house then begin IBR a year later(does the money capitlize then bc im changing status), or just do IBR and do whatever i can to save for a downpayment? thanks a lot.