Switching from IBR to REPAYE

[jsr52]

I have about 200,000 in loans, with 1.5 years left of fellowship, currently in IBR with plan to refinance when I join a practice. I was thinking of doing repaye for the last 1.5 years of fellowship to keep payments alittle more manageable before refinancing. I’m told by great lakes that any accrued interest is capitalized when I change plans, does this matter at all since correct me if I’m wrong but the accrued interest will capitalize anyway when I refinance

[paramount]

Depends on your interest rates, how much interest you have that is not capitalized and whether or not you have a spouse that you file seperate taxes with.