My husband and both started out medical school but I became ill and had to end my schooling. We each have school loans. He is currently a second year resident on forbearance because we didn't think we could have afford to make any minimal payments through IBR. I am unemployed and making interest only payments on my loan. I am currently looking for work with the hope of earning extra income to apply for IBR while he is a resident. My question is how would we go about applying for IBR. Do we each apply separately to IBR? Would my payments be based only on my AGI? or does it have to be combined income? Which is the smarter thing to do? Sorry if I sound clueless, I am. Btw, last question is any residents can qualify for IBR but not PSLF right? If so, how long would IBR last without being on PSLF? Thanks for any insight.