<prompt> Human: Hi PF,My husbands student loans have just come out of forbearance due to a rough year after graduation including sickness, unemploymentunderemployment, etc. Good news is that things are looking much better now, but I want to make sure that were doing everything possible to both keep out of pocket costs down as were still working on building our emergency fund back up and do the right thing to get these paid off.The loans as they are right now all are Stafford Loans held with Great Lakes, FWIW :1 FFEL Subsidized - 4153.81 5.350 2 FFEL Unsubsidized - 9464.47 6.5503 FFEL Subsidized - 1161.33 5.3504 Direct Subsidized Stafford 5,190.48 4.250 5 Direct Unsubsidized Stafford 8,903.13 6.550 6 Direct Subsidized Stafford 1,153.44 4.250 7 Direct Unsubsidized Stafford 1,441.33 6.550 8 Direct Subsidized Stafford 6,166.03 3.150 9 Direct Unsubsidized Stafford 9,913.82 6.550 10 Direct Subsidized Stafford 6,166.03 3.150 11 Direct Unsubsidized Stafford 9,690.10 6.550 Total : 63,407Currently hes making an autopayment of 569 per month based on IBRPay as you Earn, but I see that there are other options Level, Graduated, Extended Level, Extended Graduated, I dont know if any of those are better or worse.For other context, if it helps : Current household income is approx 130K him 80k me 50k, both are high performers with good chance of EOY bonuses. Were not planning on making any major purchases anytime soon, but we are planning to start a family in the next 2 years or so planning vs reality of course being two separate things!, part of my anxiety about his loans is the possibility of us living on just his paycheck.We also have about 7k in credit card debt 16.24 - this is our main priority right now and we have a plan to pay it down within next 6 months.Would greatly, great appreciate any advise you can give! Reading this sub is what got us to have an emergency fund in the first place which frankly saved our butts last year :  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- Hi PF, My husbands student loans have just come out of forbearance due to a rough year after graduation including sickness, unemploymentunderemployment, etc. Good news is that things are looking much better now, but I want to make sure that were doing everything possible to both keep out of pocket costs down as were still working on building our emergency fund back up and do the right thing to get these paid off. The loans as they are right now all are Stafford Loans held with Great Lakes, FWIW : 1 FFEL Subsidized - 4153.81 5.350 2 FFEL Unsubsidized - 9464.47 6.550 3 FFEL Subsidized - 1161.33 5.350 4 Direct Subsidized Stafford 5,190.48 4.250 5 Direct Unsubsidized Stafford 8,903.13 6.550 6 Direct Subsidized Stafford 1,153.44 4.250 7 Direct Unsubsidized Stafford 1,441.33 6.550 8 Direct Subsidized Stafford 6,166.03 3.150 9 Direct Unsubsidized Stafford 9,913.82 6.550 10 Direct Subsidized Stafford 6,166.03 3.150 11 Direct Unsubsidized Stafford 9,690.10 6.550 Total : 63,407 Currently hes making an autopayment of 569 per month based on IBRPay as you Earn, but I see that there are other options Level, Graduated, Extended Level, Extended Graduated, I dont know if any of those are better or worse. For other context, if it helps : Current household income is approx 130K him 80k me 50k, both are high performers with good chance of EOY bonuses. Were not planning on making any major purchases anytime soon, but we are planning to start a family in the next 2 years or so planning vs reality of course being two separate things!, part of my anxiety about his loans is the possibility of us living on just his paycheck. We also have about 7k in credit card debt 16.24 - this is our main priority right now and we have a plan to pay it down within next 6 months. Would greatly, great appreciate any advise you can give! Reading this sub is what got us to have an emergency fund in the first place which frankly saved our butts last year : ---I am a bot. Contact pentium4borg with any feedback. 