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<p>Don’t hold your breath on that one. Tax free bailouts for lawyers isn’t exactly going to garner widespread public support. The tax based balloon payment at the end of IBR is also an important aspect of the program in so far as it provides a strong incentive to make meaningful efforts to pay off/down the debt. </p>
<p>IBR is ment as a short term way to reduce payments to manageable levels. If you hang on it for 20-25 years Uncle Sam finally just steps in and says “OK you’ve been playing this game too long… pay up.” </p>
<p>The public service debt relief is a whole different scenario and is in effect part of the compensation package for the, typically lower paying, public service positions.</p>