Situation: in forbearance due to lack of steady income, just got married, and needing to start paying on loans (relatively high amount, spouse has no debt and makes decent income, but a large loan payment would definitely be a big challenge). Need to start paying but will not personally have a steady income for awhile while building practice. Has anyone else experienced a similar situation (i.e. marriage while repaying or starting to repay and/or refinancing) and what did you opt to do? I'm leaning toward refinancing and joint filing but am a little concerned about keeping the monthly payment down to a reasonable number.