<prompt> Human: So the basics.Im a 31 year old with 60k in grad school debt. Im currently paying 0 a month on it since I am on an IBR income based repayment plan. The interest rate is 8.Im employed as a math teacher. My wife is a stay at home mom. We have two kids with a third on the waydue on Christmas. I own a three family rental property in which my family lives in one unit and I rent the other two. In addition, I work part time at a second job.My credit score is 790-800 range. My student loans and my mortgage is my only debt and the since its a multi family at least it pays for itself every month. Im seriously considering never paying a dime on these student loans and defaulting purposefully. I know it will kill my credit but the loan payments are already 600 and climbing since Im not paying anything on them right now. My wife has good credit so Ill still have access to credit indirectly through her. I guess I could make the payment but it would stretch us every month. I just dont want to have to sacrifice any extra money that could be better spent on my family.I know its probably a bad idea, but Im welcome to any advice that might help me. Im trying to get ahead, and I need some sound guidance.The numbers: Job 1 net 2880 monthlyJob 2 net 200-500 monthlyRental income 1350ExpensesMortgage 1345 monthly includes tax, insuranceUtilities 50- 150 monthly PhoneinternetNetflixcable 300 monthlyGroceries 450 monthlyWifes car leasein her name 240 monthlyDaughters gymnastics and dance 150 monthlyOther random shit that always requires money 100 monthlyMedical expensesI have type 1 diabetes 300 monthly  <response>: Under Public Service Loan Forgiveness, 120 qualifying payments to Federal Loans over 10 years qualify for complete forgiveness with no taxable impact. Qualifying payments include payments as calculated under IBR. As a math teacher, you would be eligible for IBR if you did it over 10 years and made 120 payments.I recall being told that if your calculated IBR amount is 0, that no payment counts as you making a payment towards PSLF 120 payments. I recommend you review the truth of that statement. Personally I would still pay at least 1 payment each month.In addition, you should evaluate the risks of PSLF not being offered in the future. There are discussions of legislation capping the forgiveness of IBR to 50k and other things. Also no one has received PSLF so who knows how the program works out. Im sure though you would be grandfathered in before any changes.Do not default when you are paying 0 a month. PSLF may really work well for you if you stay on IBR. Sidenote - There is also 25? year forgiveness for student loans regardless of anything. 25 year forgiveness is a taxable event though. So if you have a 120k accrued balance, which is possible after 20 years of paying 0 a month. Youll have the estimated equivalent of tax due of 25120k 30k that year. 