<prompt> Human: Long story short, I received my grad degree and got a great job right away. I take home about 3000 a month currently after taxes401kinsurance.Im currently on a 10-year graduated repayment plan in repayment as of about 2.5 years ago for my 80k in student debt, paying around 925 a month currently, and havent missed a payment yet. Most of the loans are federal loans, average rate is close to 6.8 one higher and a couple lower. It has worked to this point, I have moved up the ladder and have been able to absorb the costs associated with the graduated plan increase.However, the aggressive repayment has left me unable to save much in my personal savings. Im supporting my girlfriend as she goes through graduate school herself, and may have to continue to do so once she graduates in June if shes unable to find a job in her field right away.Does it make sense for me to continue on a 10-year plan, living within my means but avoiding personal savings outside of retirement savings, or switch to a 30-year plan would be closer to 700 a month, standard repayment, use the extra money for savings, and make additional payments when I can to pay down principalinterest?  <response>: You say that your major concern is that you dont have extra money to put towards long term savings, but really paying off this debt is equivalent to putting the money in a savings account with 6 interest, with the added bonus that youll be debt free sooner! Sounds like a winwin to me. 