u/EnvironmentalGood277

I currently make about 185k. GF (wifey to be) is around 90k. We currently live in a LCOL area in the midwest so we could survive on either income if disaster struck. My loans split out like this:

Total: 19,182.80

4.53% - $3,610.11
3.73% - $5,638.23
3.73% - $2,196.54
2.75% - $5,595.62
2.75% - $2,142.30

I’ve got a decent amount invested but I would prefer to keep building that up. I am currently on the SAVE plan. Figuring 8-10% in the market i’d like to choose the lowest payment option that allows me to invest as much as possible. The student loan calculator suggested consolidation and then IBR? I’m a little confused on how IBR payments would be calculated in my case and if I even qualify.