<prompt> Human: I have the following student loans which are about to fall off of unemployment deferral:19,687.50 6.83,666.00 4.56,637.14 3.4Luckily, I just started a new job last month, and Im making more than enough money to handle payments. There are a few repayment options they give me:337mo for 120 months228-506mo for 120 months graduated increases194mo for 300 months148-296mo for 300 months graduated increasesI always hear people suggesting that you pay as much as you can each month to pay the loans off early. If youre already planning on doing that, is there any reason to not just choose a low plan just in case you have a really tough month?edit: These are all federal Stafford loans if that makes any difference.  <response>: Here is food for thought, lets say you have 2 choices. Pay off in 5 years, or pay off in 10 years. Same interest, but obviously the monthly payments are different. The 10 year payments are lower.Knowing that you will pay minimum on the 4.5 loan, and the 3.4 loan until the 6.8 is gone, youll be able to devote more to the 6.8 loan in a shorter time span if the minimums on the 4.5 and the 3.4 are lower.IMO, choose the longest pay out options, but do not get complacent. Dump as much as you can on the 6.8 as quickly as you can making sure you have a 3 month emergency fund first and pay the minimums on the 4.5 and 3.4. Once the 6.8 is gone, do the same for the 4.5, then the 3.4 snowballing the payments down the line.Choosing the shorter option on three different loans of different APRs is going to make shutting down the 6.8 loan take longer, thus costing you more in the long run.Another not so obvious benefit is, if there is a situation in which an emergency comes up, and your emergency fund doesnt cover it, you may be grateful for the option of paying low minimums on all three loans for a few months instead of accruing more debt tackling the emergency. 