<prompt> Human: Im looking at loan repayment plans and the standard repayment plan is 352 per month.Theres a few more options, including a few options for Income-Driven Repayment IDR PlansThe first of these plans is 11 per month.Theres also an option for a 20 per month, 120, and 190.Whats the catch? Whats preventing me from taking these over the 300 per month payment plans?  <response>: Standard will pay it off in 10 years. Other plans are for 25 years.Say you pay 11 per month for 10 years. Then you get a huge pay increase. Your debt has doubled in size due to interest but now you can afford much higher payments. You end up paying almost twice as much as you would have if you took standard repayment and you are in debt longer.Its hard to say your best choice without knowing your personal financial situation and career prospects. 