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8.Random Content [-X- Content] : {For those|For all those|For anyone|For people} {having|getting|possessing|experiencing} {a hard time|a difficult time|difficulty|a tough time} with {paying off|paying down|paying back|repaying} their {student loans|student education loans|school loans|education loans}, IBR {may be|might be|could be|can be} {an option|an alternative|a choice|a possibility}. {This is a|This can be a|It is a|This really is a} {federal|federal government|government|national} {program|system|plan|software} {known as|referred to as|called|generally known as} {Income|Earnings|Revenue|Cash flow}-{Based|Dependent|Centered|Structured} {Repayment|Pay back|Payment|Settlement}. {It can|It may|It could|It might} {let|allow|permit|enable} {borrowers|consumers|debtors|individuals} {repay|pay back|pay off|reimburse} {federal|federal government|government|national} {loans|financial loans|personal loans|lending options} {based on how|depending on how} {much|a lot|significantly|very much} {they can|they could|they are able to|they may} {afford|pay for|manage|afford to pay for} {instead of|rather than|as opposed to|as an alternative to} what's {due|expected|because of|thanks}. 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