Student Loan Repayment: The repayment of income?

I have about $ 30,000, I work full time (thankfully) but I'm only $ 23,000 per year. Is this a good option for me? The site of direct loans to confuse me. Can you explain how the plan works RCM? Should I finish up paying more in the long term? Is interest and cause more?

Essentially you must demonstrate "partial financial hardship" pay your federal loans by completing, signing and sending in two forms: * Application Form * IBR IRS Form 4506-T "The grounds Income Repayment (IBR) program allows eligible clients of federal loans to students experiencing financial difficulties to cap their monthly bill at 15% of their discretionary income. "If you have loans with multiple lenders or repair, you'll need to apply for IBR with both of them. There is a video and links to applications here http://www.salliemae.com/after_graduation/manage_your_loans/repaying-student-loans/starting_repayment / Based on income-repayment.htm