Hello,

I am a new attending physician (finished residency) and am in REPAYE for an incredibly large amount of student loans (300000+ b/w college and med school). During residency I was paying a private loan which didn’t allow for payments on my federal student loans on my modest income (I looked into income based repayment too late which I know hurt me but I obviously can’t go back in time). With aggressive payment I’ll be able to pay off my private loan next year and can afford the REPAYE amount with my new higher income. I believe I work for a 5013c organization (at least for now) but I haven’t yet filled out the PSLF form to officially validate. If I get married in the next couple of years, the joint income will potentially be double what mine is now and I want to know if the REPAYE and/or PSLF option will be worth it based on the numbers. Based on very rough calculations, my 10% of income repayment with REPAYE would be close to the standard repayment plan on a higher married income. Does that make sense? For now I’m planning to continue my payments as I mentioned above but this may get totally jumbled up in the future and I don’t know if I should do anything different now to anticipate for that?

Sorry for the long post and thanks for any input!