I was recommended a student loan lawyer to help with my student debt.  I owe a large amount and pay under IBR right now.  I am fairly happy with my low payment and have 21 years to go.  If I let the lawyer handle my loans, he can get me a significant reduction in my payment from 250 a month to 160 a month by switching me to REPAYE and the interest doesnt compound onto my loan as much as under IBR.  The downside is that I will be married in another year or so effectively doubling our household income.  The lawyer claims all he has to do is send something in to the lender claiming that we “keep our debts seperate” and they will only look at my income instead of both.  I’ve never heard this before.  Have you??