<prompt> Human: Its been two years since having to leave podiatry, and I now have a different job that brings in 2400 a month. But to pay off my student loans, I would need to pay 2200 a month. With income based repayment, Im paying 110 a month currently, but obviously the loan is just getting bigger. In 25 years, I can ask for forgiveness of the loan, but Ill then owe taxes on the amount forgiven. At that point the loan will be over 1 million, and the taxes will be 475,000. Id have to save 1600 a month to pay it off, which isnt very practical, either. At this point, my plan is to eventually try to get a job at a non profit or government facility, which would allow me to apply for a different kind of repayment plan the Public Service Loan Forgiveness Program that allows for forgiveness after 10 years, and doesnt charge taxes on the amount forgiven. But Ive been warned that positions that you would expect to qualify for this repayment plan often wont be accepted, and its not something I should feel confident about being able to get into. Wondering if anyone on here has any advice for other strategies to pay off these loans now that I will never have the income that I expected to when taking out the loans?Edit: Thank you for all of the responses. Ive read them all and learned some things that I think will prove useful for managing my debt. For everyone asking, I have a benign glioma that is causing epilepsy and memory loss. Removing it might cause me to forget how to talk, so it stays and podiatry goes away.  <response>: Might wanna check to see if your school has disability insurance included as part of the tuition. Im in MD school and everyone in our class was signed up for it on the first day of orientation. 