Does anyone know if IBR is the same thing as IDR? Or is IDR the overarching type of plan under which IBR falls? On a side note, is it safe to assume that any help at all with student loans is over?

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Short answer, IBR is an IDR plan. However, IBR is a statutory repayment plan. This distinguishes it from other IDR plans that are not codified in the law. Go watch the YouTube videos posted by Student Loan Planner, Travis Hornsby. They explain all this and more. They post new stuff every couple days. He just did one post Trump win to explain what that probably means for the outlook for forgiveness and how to best set yourself up for forgiveness if you're still pursuing it. Good luck!

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If you could go back in time what would you tell yourself before taking out student loans?

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