For those of us with students loans and difficulty paying them, Have you heard of IBR Pay as you Earn Program? I saw an advertisement in my local paper and decided to check it out. It is through studentloans.gov. I did not think it could help me, but it did!
And click on IBR Pay as you Earn in middle left area.
I filled out application online about a week ago and was able to link my IRS taxes and just got word that my payments are $0.00 until 3/2014! I even had my loans deferred for a while due to inability to secure employment and they did not care. It is based on your income. So if you are having trouble getting the job and need help with student loans, see if YOU qualify.
I wanted to share, because I know there are others that could use this.
Ps obviously I am going to try and pay what I can to my higher interest rated loans while I am on this to get them paid off. And I do not understand all the ramifications of this IBR Program, but for now, it is a godsend.