<prompt> Human: Ok personal finance, first post but I have started reading more and trying to educate myself on my finances and wanted to get my 5 to 10 year plan checked out by everyone. So Im late 20s and two years out of pharmacy school. My wife has about a year left in an information systems masters degree. Being a pharmacist I make a good income around 125k a year and of course once my wife graduates and works full time we can expect there to be more money to work with. So heres a run down of my remaining loans:Direct Unsub Stanford loan: 74,100 at 6.21Direct Unsub Stanford loan: 39,600 at 5.41Direct Student Loan Plus: 29,500 at 7.21Direct Student Loan Plus: 47,600 at 6.41When I got out of school I got my 10 year standard repayment rate of 2,710 a month. I signed up for REPAYE so my actual payment is around 400. I do my monthly payments based on the 2,710 ten year rate and pay the 400 across all loans and then dump the extra into the highest interest loan. Already finished one 7 interest loan that way. I currently put in 5 to my 401k to get the company 5 match. We also maxed out a Roth IRA last year. The plan this next year is to go to 10 on the 401k with the 5 match and continue maxing the Roth IRA. We currently have 30k in savings for a house down payment for the future or emergency fund if need be. I will reevaluate the loan payments and probably increase the amount once my wife starts working. Rent is 1100 a month including all utilities, wife has no student loan debt to speak of and her parents are helping finance her masters for now. No undergrad debt for me and both of our cars are paid off. No credit card debt or any other debt. I guess I have two questions. The first being, does my current plan look good, is there anything I should be doing and am not or maybe something I missed?The second is if there is something Im missing money wise. I have friends who are going with the 25 year forgiveness route and putting what would essentially be their monthly payments into the market hoping to get the 6-7 return. Then they could theoretically cover the increased tax amount at the end or would come out ahead if some crazy nationwide loan forgiveness event happened. Id consider myself pretty risk adverse but also dont want to leave money on the table if monetarily a different route made more sense. I know paying off my loans is essentially a guaranteed 5-7 return but just want to make sure. Thanks for the advice and all the knowledge Ive gained so far.  <response>: If you can make 7 guaranteed by repaying your loans, thats a pretty nice, no-risk return. 