So my college loans are a mess, how I got there is irrelavant, what I looking for is for some financial advise to ease my burdon. Here are the facts: -My father has $120K of government loans in his name. Broken up in $40k & $80K with two different agencies. -I have 30K of goverment loans in my name. I would like to enroll in the IBR plan for obvious cash flow reasons however because the loans are non-transferable to my name and can not be combined into one federal loan the IBR plan would cause us to pay more then the current rate. So far we have consolidated everything and increase the amount of time to pay for the loans. The monthly payment is about $1200 (which is still a huge burden). Questions: 1)Is there a way to combine all the loans or just my Dad's loans to qualify for IBR? 2) If I wanted to lower the payment what other options are there? 3)Thoughts on private loans outside of federal/gov loans? 4) Other ideas? Maybe I am looking at this the wrong way. Thanks for your help!