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hey it's John McPhee the numbers guy here and then wanted to cut this video this evening because there's a lot of great people out there that are in for a big surprise has to do with student loans people are graduating from college with this brand-new degree but they're also bringing something else with them a big mountain of debt and one way that they're coping with that debt is using student loan income based repayment essentially that's a program where the government steps in says hey we'll give you a lower payment and just let the balance on your student loans keep going up and if you still have a loan 20-25 years down the road hey don't worry about it we'll forgive the balance so far on the surface it sounds pretty good but there are a couple pitfalls you need to be aware of and these pitfalls are why some people could be in for a big surprise but now that you aren't you're watching this video you won't have to be surprised about that so let's take a look here this is an example I

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