I have decided not to got to medical school after six years at a top flight University (two years as a grad student getting my MS in physiology). In fact I've decided to become a stay at home Dad (my wife is in CRNA school at Baylor). The problem is that I owe $90,000 and currently earn about $35,000 which means that I don't qualify for income forbearences. My plan is to enroll for six hours at a local public University taking online Independent study courses pursuing a second undergraduate degree. At $150.00 per credit hour I can take twelve credit hours per year (which you have up to ten months to complete) for only $150 per month (as compared to my student loan minimum payment of about $900.00 per month). Everything, I can find on the subject indicates that I could do this indefinately (although once my wife graduates from CRNA school we will start paying the loans back). What am I missing and couldn't others with high levels of student loan debt (who won't end up with a high salary) use this strategy?