Jan 11, 2020
Resident [Any Field]
I’m a PGY-1 who consolidated all my loans (300k) under Repaye, which from what I know will kick in soon at payments 10% of my AGI. Say one day I loose it, flip a table, and let the door hit me in the ass on the way out.

6 months later I’m making $30k painting trees or something in Wyoming. Would my monthly payments under Repaye still be only 10% of that? Am I missing something? Just exploring my delusions. Thanks.


2+ Year Member
Sep 23, 2015
Resident [Any Field]
It would actually be even less than 10% of $30k. You subtract 1.5x poverty line, then multiply by 10%.

So if you’re single, something like $18k off the top, so 10% of $12k ($1.2k/year - 4% in this hypothetical).

Or, if you’re married with 2 kids, spouse doesn’t work, your payment is $0.
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