<prompt> Human: Long time lurker here looking for some advice. Between my husband and I both 27, we have over 400,000 in student loan debt which is accruing about 2000 a month in interest most of it is at 7. The majority of the loans are my husbands and with income based repayment we pay about 400 a month, which basically means the loan will continue to grow. A few numbers:13K in emergency fund60K in my 401K I am currently maxing out.. company matches up to 3No Roth IRA as we file married filing separate so that only his income qualifies for income based repaymentWe currently make about 7000 per month after tax. In about 3 years, this amount will triple. However, there is a good chance I will stop working once we have our first child, so we will only have this extra income for a year or two.Our monthly rent is 1900 which is low for our areaWe would like to have children in about 4 years. We would also like to own our own place in 6-7 years. Homes in our preferred neighborhoods start at about 400K. What should we do? Do we aggressively pay down the student loans so they dont continue to grow, thus neglecting our retirement and future downpayment on a home? Do we continue to do income based repayment? after 25 years the loans are forgiven A mixture of both? Thanks!EDIT Thank you for all of your advice! To answer some of your questions: My husband is currently in his residency, so the majority of the loans paid for his medical school. In two years he will be done with his residency, which is why our income will be so much higher at this point. The 400 IBR wont be for 25 years. Once he starts to make more money, our payments will increase.  <response>: Put 3k per month till the income triples then put 17k 3k14k of new income and youll be done with this in less than 6 years! Then in two years after that youll have 408,000 saved! There is your 400k home with no payments! This is only 8 years from today, it takes longer than that to become a doctor. You can do this! 