These loans are incredibly tough to deal with, because they don't qualify for income based repayment plans or allow consolidation in most cases. (thecollegeinvestor.com)
On top of that, interest keeps growing, as they are on Income based payments plans. (studentdebtcrisis.org)
Your family size in the context of income based repayment plan may not necessarily be the same with the number of exemption you file for tax purposes. (myfinancekits.com)