I would have to say income based repayment is the best option for those who owe a quarter million and still barely make 40k. There are a lot of people who finished graduate school and still haven't been offered a job in their field. While your waiting 25 years for some asshole to actually give you the job you went to school and did free work (internships) for, you can just pay 10% of your dog shit income. Graduate loans are far larger than undergraduate. What about all the people who already paid their undergraduate loans, but not their graduate loans?? I know its just speculation at this point, but do those people just get the shit end of the stick??