Heather, thank you so much for the informative webinar today. 

As a public interest attorney for a decade, IBR is not an option for me.  However, I don’t understand how one benefits from the standard repayment option if we must choose the 10-year plan?  Doesn’t that mean we will be paying off the entire loan in 10 years so there is nothing left to forgive?  Please advise. Thanks so much.