Hi there!

I am wondering if it is a good idea to switch my repayment plan from IBR to PAYE.  I am a veterinarian (graduated in 2012) in private practice with $183,00 in federal direct loans.  I have been on IBR (3 yrs) and am currently in the process of switching to PAYE.  The problem I just ran in to is that it looks like my accrued interest (over $11,500) will capitalize when I transition to PAYE.  Has anyone else heard of this?  I am wondering, is it still worth it to switch plans?