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Reply to "Does anyone else owe a TON in student loans?"
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[quote=Anonymous]I have 200K (we would have 400K if DH went to law school too ha ha). I have a couple friends with 400K though. The majority of people I know with high loans are employed by the feds and taking advantage of the public service forgiveness act and income based repayment. For example, my loan payment (on 200K) is only $287 (down from close to 2K without it). My loans will be forgiven in their entirety in 8 more years if I continue to work for the government (or any other non-profit organization). Becuase of this we are able to save quite well for retirement, but without it I would be scewed. My husband and I do have to file our taxes married but filing separate (or single? whatever it is) in order to take advantage, which has its own consequences (no Roth IRA for us). But so far it has worked out well! [/quote]
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