<prompt> Human: Hi! First post, new to thinking about finances somewhat seriously. My student loan debt will be 32,000 when I graduate. To pay it off in 10 years including interest, it will cost 388 monthly. To pay it off in 5 years including interest, it will cost 648 monthly. Both of these include a 6-month payment free period to start. So its a 260 difference, monthly. I understand that I pay a lot more in the long run by taking 10 years to pay it off rather than 5.However, my main goals in life are to live comfortably while going on a two week vacation every year. If I cant go on a vacation every year, it will be a huge disappointment to me because I still dream about my first vacation I ever took, 9 months ago, with the help of some unexpected money coming in. It was the best week of my life. So I figure if I take longer to pay off my student debt, it doesnt matter because all of the vacations I took will be worth it to me. This assumes that I wont be able to afford a vacation 3000yr plus a 648 monthly payment.This is, of course, also assuming that I find a job where I can afford 648 monthly payments at all. My dilemma is whether to spend that full 648 on debt or to save 260 for a vacation and only use 388 on debt. Also if it matters, Im 21, single, no dependents, I have good credit from using credit cards for a few years now, and dont see myself having kids or buying a house in the foreseeable future. So would I be crazy to take 10 years when I could take 5 years to get rid of debt, just to go on vacations? Am I missing anything huge here in my calculations? Thanks in advance for any advice! Edit: typos and dollar signs missing  <response>: You dont have to spend 3000year on vacations. There are ways to spend a lot less and still have a great time. 