<prompt> Human: My girlfriend and I are fully employed both making about 65 a year. I am debt free and she is paying off 35000 in student debt managing about 1000 a month. We figure that once its down to 30,000 we could each pay 15,000 and pay if off in a lump sum. I would have plenty of safety net left but most of her savings would be gone at that point but it will save her about 2500 in interest. I would serve as her emergency fund for a short while while she rebuilds. The interest on the loan is 5 percent. She would then start paying me back interest free. Edit: We are intending on getting married at some point but havent decided on the right time.  <response>: Are you married? If not, then no. If you are married? Maybe, but I probably wouldnt. 