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Problem lowering your monthly payments. I could not find a more appropriate category, but I am struggling under the weight of my federal student loans. I elected to participate in public service loan forgiveness. I am on the income based repayment plan. I am grateful that the program exists, but if for some reason the program does not exist in 3.5 years when I complete 120 payments, I will have paid more than {$100000.00} and paid no principal at all. I have made 76 payments as part of the program. After 76 payments, I have paid {$51000.00} in interest and nothing on principle. The only principle satisfied on the loan was part of the State Department 's Student Loan Repayment Program, a taxed student loan forgiveness program for people working in war zones. That amount was {$5300.00} a