Hi Heather,
I am wondering if the IBR or ICR repayment plans are required for the Public Service Loan Forgiveness program. Based on my AGI my payment would actually be higher under IBR or ICR than if I chose the graduated monthly payment plan. Unfortunately IBR or ICR do not take into consideration the high cost of living in Orange County California. I have read that IBR or ICR are more beneficial because presumably you would not be paying off the loan within 10 years anyway but I cannot figure out if one of those two options is a requirement.
Thanks!