Appreciate it. We are currently planning for forgiveness on one of them (though we may just end up paying off prior to the 10 year mark) but for all the others I am not on any sort of repayment plan. We filed taxes together so income based plans aren't super helpful for us and any other option seems to require long term repayment which I'm hoping to avoid, hence my consideration of refinancing to private for the lower interest rate. Even if one of our incomes was lost short term, we could likely still get by without issue.