<prompt> Human: It will be the difference in like 800 a month for ibr 10 but live more comfortably or almost double that but get it paid off in 10 years. I can imagine trying to pay double would be tough if I were to have kids in like 4 years. But doing income based repayment the actual amount of the loan goes up each month paid on a minimum so if you ever actually decided to pay off the loan later on you actually lost a lot of momey the time you were paying minimum.  <response>: ... would be tough if I were to have kids in like 4 yearsDid you ever hear of this radical new invention called birth control?Also why should the rest of the taxpayers be forced to bail you out of debt that you knowingly took on? This is a pet peeve of mine, just like listening to people boast about how they cheated the government of taxes. That government is me. Do you really think I will be happy to hear you boast about that? 