<prompt> Human: My wife has 88k in student loan debt from graduate school. We have been paying using the graduated plan for 8 years but have barely touched the principle only about 2k. We have been working on paying down other debt, but it is always something that has been looming over our family. We recently had our first child and decided that it was best for my wife to stay at home to care for her. This was mostly due to the high cost of child care and some special health circumstances for my daughter. We are doing fine on my salary but any thoughts of aggressively attacking this loan are out the window.I was recently looking into repayment options for my wifes loan and both the Income Based Repayment IBR and Income Contingent Repayment ICR come up as 0 payment plans with forgiveness after 25 years. I know we would have to start filing as married filing separately. I keep looking for the catch for these plans for me, but I am not finding them. At the current rate it would take us more than 25 years to pay off anyway, why continue to throw 400 a month at it? For IBR interest doesnt seem to accrue and for ICR it is capped at 10 of the principle. Am I missing something? Is there anything Im not considering? I do not like the idea of walking away form our debts, but I wonder if this plan was set up for people in our situation.  <response>: Your wife likely needs to find some source of income with that huge of a debt load.With the debt forgiveness plans, the amount forgiven at the end of the 25 years will be considered taxable income, which can be substantial 