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She told me that his school had reported him as a part time student.

So how many hours is he taking? Is it less than half-time, as you said in your previous post? Because my understanding of in school deferments was that the student had to be at least half time.

I replied that then he should either have an in school deferment or have an IBR payment of zero, but not a standard repayment.

Well, there's a lot of information missing, but I'm not convinced that the IBR is going to be zero, assuming you have income. My understanding for Income Based Repayment for married couples is that it is based on joint income, not just his income, unless you file Married Separate. Here is an income based repayment calculator that should help you figure out what the IBR payment will be. http://studentaid.ed.gov/PORTALSWebApp/students/english/IBRC...

If, based on your joint income, and the amount that he owes on his student loans, his minimum payment based on a 'standard' 10 year repayment is less than his IBR payment would be, his payment will be the 'standard' payment.

AJ
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