Can I change my student loans into a more affordable payment plan?

There are many affordable payment plans available, particularly for federal student loans. There's several income-based with debt forgiveness. There's about a half-dozen or so. It's important to pick the right one. They do vary quite a bit based on the length of the plan, how much you're paying and so forth. But it is a way to get your payments down to an affordable level because, above all, you want to avoid default. If you default, they add 25% to the balance. Take advantage of these income-based programs. They're very good and sometimes, in many cases, they're better than just forbearance.