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I recently matched FM and have been in the ARNG for 5 years taking MDSSP for 4. I will apply for STRAP and HPLRP. My question is. What do I do with my loans during residency? IBR, PAYE/REPAYE? PSLF is not an option. I had hoped to refinace but I am concerned the HPLRP wont repay my refinanced loans.