Anyone with experience with IBR and ICR student loan repayment plans?

honestly any other option would be better than the ibr/icr plans! you can get a deferment or forbearance, or there could be other options to lower your payments depending on your servicer. on the income based plan you might qualify for a zero dollar monthly payment or other lower payment options. and if the laon isn't paid off within 25 years it gets forgiven... so it sounds like a dream come true... but you need to qualify every year. if at some point you don't qualify you get thrown back onto the standart repayment... and all that interest that you didn't pay will be added on to principle. so if you ever plan on getting a better job within the next 25 years... avoid this option at all costs or that 300 dollar payment can easily turn into a 3000 dollar payment.