I’m a current 3rd year dental school student where my tuition is roughly ~85k annually. My school allows students to borrow up to ~115k yearly to cover tuition + living expenses. How does the PAYE program prevent students from maxing out their student loans automatically and using the additional money obtained for investment purposes (ie: mutual funds, stocks, real estate)since the loan will be forgiven after 20 years? Since one of the requirements of the PAYE program is that your monthly minimum loan repayment has to be less than on a standardized 10 yr plan, it would be in your best interest to max out your student loans….this gives you more flexibility in future earning potential without the risk of getting kicked out of the program. Thoughts?