<prompt> Human: So i am currently 220k in debt with my student loans and am trying to figure out a pan to pay them off. I make very good money out of school at around 112k a year. So my financial advisor suggested i enroll into the IBR program instead of paying off my student loans right away like i was planning. Originally i was going to do a 3 year approach and live off 20k a year till they were gone. His reasoning is that i will only end up paying around 170k total and even though i will have a large tax bill at the end he said with inflation in 20 years it really wont be that much overall. total forgiven is going to be around 320k if i do a 20 year IBREssentially his advice was to pay as little as possible and ride it out while investing as much as i can and inflation will take care of the rest. What do you guys think  <response>: You are going to pay 10 of your discretionary income for 20 years and then get hit with an income tax bill on 320k? I believe your income exceeds the limit to deduct student loan interest, and your interest rate is probably around 7. Your 3 year plan is like investing your money with a guaranteed rate of return of your interest rate if it is 6.8, that is pretty good. I would take your original plan. His plan could math out higher depending on investment performance, but it is a hell of a lot more risky. 