Are IDR payment options really worth sticking to federal loans for? I'm considering refinancing my loan but the only stopping me is the fear of losing IDR benefits. Could you share an instance when it has really been a life savior? Maybe some examples could help me see why I shouldn't.

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It was a huge help to me, but you have to look at your scenario to know if it will be beneficial for you. It can help lower your monthly payment, however you will be paying for longer and potentially stacking up more interest over time. But something is better than nothing.

Yes after a certain amount of years your loan will be written off I've got one for this reason

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