Just FYI, while you’re right that your IBR plan will technically make your student loan debt disappear in 25 years, you won’t get off scot-free. The remaining amount of the principle that you didn’t pay off will be recorded as “gifted” to you by the IRS, leaving you with a massive tax bomb, so I would start making up some principled reasons why you don’t believe the IRS deserves your money either. ;)