I got BREAKING NEWS! IBR now damages your credit. This is a brand new change. I cant get anyone to give me a straight answer why. Before about one month ago, the interest was not reported as part of the principal balance on an IBR loan. Well, ladies and gentlemen, it now is! For me, this means that my credit report shows that my student loan debt jumped from 80 to 133k in one month, tanking my credit score from 800 to 625! And for each month from here on my credit score will get lower. Even though I am making all my IBR payments on time. I am totally screwed for life. Had I known this was going to happen, I never would have entered into the IBR program in the first place, or would have at least paid the interest. But those bastards waited 8 years while my interest grew and grew and grew before they included interest on my credit report. This is a dirty, sneaky intentionally planned trick, obviously designed to force me to make higher payments than I would have had I never entered into the IBR program in the first place.