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[quote=Anonymous]I don't think you understand the IBR system. The payments are calculated off your AGI, not your actual pay. We invest in our TSP, and we get many deductions - including student loan interest, child care, and mortgage interest. Our AGI is under 150000, which gives us lower payments. Also, if our income continues to rise, the payments never go over the original straight 10-year payment amount. This is still a net savings since the savings in payments thus far will not be made up in the straight payments in the end years of payment. I don't work in the public sector just for the benefits, but I do try to maximize the benefits that are available. My agency receives many applicants for job openings, but many of the applicants are not great. I hope this program is an incentive for better qualified applicants to apply. [/quote]
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