REPAYE vs. Standard Loan Repayment

[Guest]

For those of us with student loan debt ($300k), what type of repayment plan are you looking to do in residency?

Is it worth it squeezing $1500+ monthly payments for standard loan repayment plan? I figured won't have any time anyway to spend it and no family yet may as well put as much as I can towards payments.

Also have been advised to do the REPAYE since it has interest matching up to a certain point and could add up over 7 years.

Do you really need that much discretionary income in residency?

[Focus]

Depends on your living situation. If you can afford it then yes absolutely pay on your loans to prevent them from exploding during residency. Also, bear in mind that residency counts as a non-profit so if you do a fellowship and then work for an eligible non-profit for 2 additional years you can qualify for forgiveness under the old system at least. That is a great reason to pay during residency.