<prompt> Human: I am a public school teacher with 20K debt in federal student loans. I am on the fence about letting them roll until they are forgiven in 10 years. Has anyone done this? I know that there has been a lot of news recently about how they are tightening the requirements after the fact, but as a teacher at a public school I should be fine title 1. Also, if I did decide to do this, what should I be making as my monthly payment- enough to cover interest in case I decide to switch out of teaching before the 10 years? Half the debt is at the 3.2 rate, and half at the 6.8. Thanks!  <response>: You have to be on some form of income based repayment direct loan with terms exceeding ten years to actually benefit from PSLF. 