So I'll be finishing my internship at the end of June and starting a 2 year post doc in August. My loans will kick in around December 2009, just in time for the holidays I'm about $120K in the hole. I know you can stretch loans over at least 20 years to reduce your monthly payment. I'm just curious what people are doing or plan on doing to repay their loans? I'm considering cutting some of this down through the loan forgiveness programs, but assuming that doesn't happen I'd like to hear what others are planning to do. I'm also not as up to speed on the current loan interest rates with all of this financial craziness. I appreciate your thoughts!