<prompt> Human: Hey all, Im about to start paying off my student debt which is 60k 5.5k interest at 6. The interest accrues daily. My dad has proposed an interesting offer. He will pay off all the debt at once if I agree to pay him the full amount in monthly or annual payments by 3 years. Ill be making 100-120k before tax and Ill be living with my parents for at least 2 years. I could probably knock out the loan without his help within three years. Anyone have any suggestions? Anything we should consider that is not obvious? Ive also heard about refinancing to get a lower interest rate. Thanks!Edit: I live in Los Angeles and have no other debts.  <response>: The numbers say yes, of course. Anything more in depth will speak to relationship type things. 