<prompt> Human: Her minimum payment is quite small. My assumption is that this minimum payment will increase over time. Does it so with her income? How about if she marries? She makes 60k in non-public interest work. Im encouraging her to pay it off more quickly, but she refuses to.  <response>: If shes on IBR or PAYE then yes, shes right. Anything left after 25 years is forgiven. But the forgiven balance is considered taxable income and shell be liable to pay a nice chunk of change to the IRS.A lot of people are trying to take this route, but theres risk involved. Its all about the total cost over the life of the loan. Paying it off quickly is pretty easy to calculate with unbury.me or other sites. Figuring what her future income and IBR payments for 2 decades and her future tax bracket will be is more difficult. 