<prompt> Human: So forgive me if I am lacking some of the specifics needed to answer this, we are kind of outside my field here.Anyways, I have been out of college for about 3 years now and have been making regular monthly payments towards my student loans. I have never missed a payment and I still have about 28K worth to pay. My payments are just under 300 a month, and go up every 2 years for a goal of a 10 year payment plan. The other day I called TGT Advisers just because I was curious what, if anything, they could do for me.It was explained to me that because I have a low enough income about 23K in 2014 I could qualify to have my monthly due payments equal 0 with no late fees, although interest would still be accruing in this time. I was emailed some forms to fill out and told that the process would cost 300 to consolidate all of my loans to the proper type to qualify.My questions is this: Since I have been making my payments for three years, and in all this time I have been able to support myself, is it worth it for me to start this process? Yes Ill have more money now, but wont I just have more debt waiting for me if I ever get a higher paying job? I think the man I spoke with mentioned that if I were in this status for 10 years my loans would be forgiven, but I would like to think in that time I might be making a more decent living.Also maybe worth mentioning, I currently work for a non-profit company, and Ive heard from others that if you work for a non-profit for 10 years your loans are forgiven. But, again, I have no intention of staying with my current job for another 9 years.Id appreciate any advice, please let me know if there are more specific questions I can answer.  <response>: Dont do this.Theyre charging you 300 to sign up for IBRPAYE, which you can do yourself for free.Since you work for a non-profit, you should look into Public Service Loan Forgiveness PSLF. All the details are at You must be enrolled in an income based payment plan, and make 120 monthly payments while being employed by a qualifying organization. Any remaining balance after 10 years if forgiven tax free. If you qualify, and expect to be in a qualifying job for 10 years, go for it.If you dont qualify for PSLF, just pay your loans off on a normal 10 year plan. Itll cost you less than dragging them out. 