<p>Both of my children are college grads. My daughter is a 3L, no undergrad debt, 200k law school debt. She went to a good law school. Did well enough that had she entered a year earlier she would have had no problem finding a summer internship program in a large firm. Her boyfriend at the time, a year ahead of her in Law school, worse grades at a school that was 25 places lower on US News Rankings got 2 offers. During her first year in school I was not aware of the IBR program. I was mighty concerned with the state of the World, U.S., and Law school economies. When I learned about the IBR program a fair amount of my anxiety was alleviated. I didn’t understand why there was never any mention of this program on CC. I toyed with posting on CC but but never did. An important particular for me is that my daughter has a good credit rating and her debt all falls under this program. In addition she loved law school and is probably interested in Public Service law. If I get this payments are 15% of AGI…ten years and she is debt free. If not its 25 years and debt free. If you make $200000(as a single person), more or less, you are still in IBR. If you make more you are not in IBR and you should be able to manage your debt. We can help her a bit but not a huge amount. I no longer fret about the issues as it relates to her debt. I’m concerned that her career options maybe somewhat limited. However, I hope, and believe, that she will have the ability to craft a satisfying career and life.</p>