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I figure there's gotta be some clever way to do this. But I don't know enough about loan repayment programs. Does anyone wanna give me some hot tips and/or scams?

Are you a recent grad and have you read through this? http://top-law-schools.com/forums/viewt ... 3&t=220025 Johann's plan sounds viable for the first (2?) years.

I'll give that a read. Thanks!

Anonymous User wrote:I'll give that a read. Thanks!

It's a really long thread. The short of the Johann plan (I think it was Johann) was apply for PAYE using 2L summer income. Work stub year paying super low loan rates. Re-register your PAYE using post 3L/stub-year income to keep low payments. Save a bunch of your first full year income, then refi.

Yeah, I'll just search through the thread for more deets later. That sounds like a pretty solid plan though.

lymenheimer wrote:

Anonymous User wrote:I'll give that a read. Thanks!

It's a really long thread. The short of the Johann plan (I think it was Johann) was apply for PAYE using 2L summer income. Work stub year paying super low loan rates. Re-register your PAYE using post 3L/stub-year income to keep low payments. Save a bunch of your first full year income, then refi.

Well shit. Is johanns plan possible after graduation before biglaw?

Anonymous User wrote:

lymenheimer wrote:

Anonymous User wrote:I'll give that a read. Thanks!

It's a really long thread. The short of the Johann plan (I think it was Johann) was apply for PAYE using 2L summer income. Work stub year paying super low loan rates. Re-register your PAYE using post 3L/stub-year income to keep low payments. Save a bunch of your first full year income, then refi.

Well shit. Is johanns plan possible after graduation before biglaw?

Yes, if you graduate in 2016 you use your 2015 (summer) tax return for year one and then your 2016 (stub) tax return for year two.

Beyond that max out your 401k and be careful about getting married.