<prompt> Human: Ive heard a lot of pros and cons for both sides of this argument. Been leaning towards just paying the bare minimum in my lifetime and letting the remaining balance cancel out or be forgiven once I pass away. I would love to hear your thoughts and rationale of your decision.Some background information:Married, 28 YO Male.I am a student nurse. Will complete my program in December 2015.I live at home with my parents.My credit is not good and this is of my own youthful stupidity. Have been denied due to past due payments, collections, debt:available credit ratio, etc.Wife is abroad will arrive by August. She is a Nurse in India. Currently in the process of completing her paperwork to take NCLEX for Illinois licensure.We would like to have children one day.We would like to own our own home one day, cars.Student loans I currently have:Federal SubsidizedFederal UnsubsidizedFederal PerkinsLoans totaling near 85kEdit 1: Hold a previous bachelors degree. Loans have been deferred during my being in school taking prerequisites and becoming enrolled in Nursing School 13-15.  <response>: Isnt nursing one of the public service careers that you can use to get loan forgiveness after 10 years of service? edit: yes, looks like they are. 