Bo Liu writes about his reasoning behind switching from IBR to REPAYE. If you are mulling the same move (and you should be if you are in IBR), be sure to read his experience.
My mantra with financial advice is "Good advice at a fair price." There are plenty of good financial advisors out there, but they're badly outnumbered, and by the time you know how to recognize one, you may know enough that you no longer need him. This post explains what the perfect advisor looks like, but you won't find him, probably because he doesn't exist. You may, however, find one that is good enough and offering his service at a fair price.
REITs are a great asset class, but make sure to buy the publicly traded ones, not a private REIT. Here's why you should steer clear of these investments.