<human>: I will graduate on October 2nd and start my new job on 9/19. I will be making more money but my last years taxes are about 36k. I will be making about 45k with the new job but it puts me into a higher tax bracket. I have about $8000 in left over school funds, I wanted them returned to lender but the law changed and some got placed in my bank account. Due to medical bills I used some of that to pay down a large surgery bill. I will be paying them back that 8K!

I cannot consolidate my loans as I did with my undergrad loans. I plan on applying for the national health corps loan repayment program or

Give me the gist of the text in a nutshell
<bot>: what is best IBR/REPAY/ program. Do I pay off undergrad loan with higher interest loan?