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Make too much for IBR?


gravelgirl66
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Hello,

 

My hub and I both have Sub/Unsub student loans, and we are current.  I am about to come out of "grace" - he is already in repayment.  His loan is about 8K, mine is 14K.  Our joint return adjusted was 69800 this past year, and total dep of 5.

 

Everytime I put this info in the IBR calculator it tells me that we are not eligible for IBR??  Everyone tells me how great it is, but we can't use it?  My hub payments are 100 per month, and mine show to be 150 per month.  Am I missing something?  I thought everyone could use IBR?  If not do we have any other options to lower our payments?

 

help please?

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