My names james, I am an automotive technician for mercedes benz, i have about 30k in school loans from a technical institute. i have been on a IBR plan for about 50$ a month. It ended and my payments are gonna be about 250.. I qualify for IBR for 0$.. what would be the best way to go about? Whats the difference between going for the IBR and 0 and still doing 250 a month, or would it be better to just pay the 250 without being on the IBR plan? im just looking for ideas to make this road to being debt free easy.