At about the same time that I finish my PhD, I will be retiring - early retirement at age 58.  I plan to teach part time, but expect it to take a few years before I can build up my teaching to full time.  Is there any issue around income based repayment for someone who is older?  My concern is that my loans will be over 100K and I want to plan accordingly.  If it looks like I won’t be able to qualify for IBR because I will be retired, then I will just continue to work full time.  (Not my ideal by far)