I’m an incoming medical student right now. I was interested in PAYE, but I took out a loan in 2006 which I paid off in full in 2010, so it’s not available to me in its present form. However, since I had no outstanding loans on 7/1/2014, would I qualify for the new 10% AGI, 20 year IBR? And how likely is it that I’ll be able to sign up for PAYE if it becomes available to all borrowers in December? In general, can I rely on these programs still existing once I graduate in 4 years?

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