Just keep in mind that if you're not doing public service, then you don't get forgiveness until you hit 25 years. If you borrow full cost of attendance and get a job paying $55k, then IBR will hold your payments down to a manageable level. The kicker is that even after 300 payments you will not have touched the principal, and when they write off the balance of $280k at the end, that's considered taxable income. As long as you're ok with eating a $92,000 tax bill, this may be a viable plan. Public service loan forgiveness is a different story. That kicks in at 10 years and is not considered taxable income, so it's actually a reasonable means for retiring any level of debt. The trick of course is getting a public interest job you can stick with for 10 years, and living on the typical $36-40k salary that comes with it.