<prompt> Human: Am asking this question again for additional replies... Am still unsure of our best course of action. Thanks for any and all help:General breakdown for my girlfriends income and expenses:Age: 26, Graduated in 2013Annual Income Pre-Tax: 45,000Approximate-take home total: 33,398Liquid Assets: Checking Account: 13,520 Savings General: 18,120Expenses: Student Loans: Loan 1 is 63,830 at 6.55. Loan 2 is 3,500 at 5.36. Apartment: 750mo Utilities: 46mo Car Payment: 300mo and 3 interest rate -- 18,236 total car value Car Insurance: 70mo Internet:41mo Groceries: 303moCurrently she is enrolled in an income driven repayment plan to pay off her loans with a mandatory payment of 74.89mo. If you maintain the income driven repayment plan for 20 years your remaining debt is forgiven.Best course of action? Wait it out and pay less in the long run? Pay as much as possible as quickly as possible? Advantages and disadvantages? Any advice is greatly appreciated! Thanks!  <response>: If you maintain the income driven repayment plan for 20 years your remaining debt is forgiven.Oh this is completely different than what I was originally thinking. Dont do the 20 year forgiveness because the loan will balloon and then the entire forgiven sum is taxed at your marginal tax rate at that time. Its going to be a staggering bill and its a political boondoggle in the making. Public sector loan forgiveness would make sense for her, though. 