<prompt> Human: Im 25. Im 363,000 in student loan debt. I make 30,000 a year. I contribute 17,500 to a 401k. All of the loans are federal, so I chose to consolidate and do Income Based Repayment coupled with Public Service Loan Forgiveness. I received my first statement, and my payments were calculated on gross income and not adjusted gross income. I called Direct Consolidation Loans to let them know, and they fixed the issue after 48hrs. My payments dropped from 190 a month to 0. I just wanted to point it out. If I hadnt called and spoken to 3 receptionists and a manager my payments wouldnt have changed. Hopefully this helps somebody else buried in student loan debt save a few bucks!  <response>: I make about 16,000 a year after taxes, and work at a non-profit. Having the IBR plan is a life-saver, honestly. 