<prompt>  Human: I was just contacted by the Student Loans Assitant Foundation. I have one federal loan left at a balance of 4,912. I dont know the interest rate. The SLAF just offered me to pay 5 months at 149 and then 13 for 300 months. Thats a total of 4,645. Thats saving me only 267 over 25 years or 89 cents a month for the next 25 years. Thats not worth it right? Being a long time lurker on this sub, it seems dumb for me to turn down any money but I also know I will be able to pay it off by the end of the year. Probably sooner. I asked if I could take part in the Income Contingent Program and then pay it off all upfront and they said know. Also, My wife is in a similar situation but owes around 17k at varying rates. But I am also hoping to pay that off by the end of the year, if not in 18 months. Is it worth it to do it with her loans?Thoughts?Edit: My wife and I are both 25. 