I AM confident in them, and many of my friends are using IBR with the intention of PSLF - HOWEVER - there is also the National Health Service Corps. My work supervisor signed on and they forgave $60,000 in loans! I am planning on staying with the mental health agency I work for currently after I get my clinical license (you need to be an LCSW already) to sign up. Also, you need to work in an area or for an agency in which there is demonstrated need. For example, I work in an urban area of Chicago where there is a great need for mental health services.
It's not just arbitrary, though - you can google NHSC and find out which agencies, etc. are part of the program. This is why if I get into UofC at 40/grand a year, vs. UIC at 10/grand a year, I still plan on going to U of C. It's been my dream school for years, anyway.
I see you're from Charleston! I am travelling there next month for pleasure for a night as part of a road trip, and looking to stay in the historic district (EXPENSIVE I just discovered, jeez). Any recommendations of sights, accomodations, restaurants to make sure to see in a 24-hour period, haha?