<prompt> Human: My fiancé and I just graduated from school and have 250k in student loan debt. We are also slotted to make 320k this year before bonus and likely 350 after bonus. We are currently trying to figure out a plan on how to save. We can probably refi our student loans down to a variable rate of about 3.5-4 percent. But if we do we will lose the flexibility of some of the government repayment plans. The sort of work we are doing, it is unlikely that we will last much beyond 4-5 years before exiting it could be sooner. Exit options are difficult to predict at this time and vary widely from about 100k a year to around 300k a year so 200-600k combined. So what should our savings plan be? Refi and pay down debt slower while investing and assuming we can beat the interest rate? Sticking with the government rate of approximately 6.12 and paying it down aggressively? Or some other option.Additionally, we dont really have a cash emergency fund, but I do have about 60-70k in an IRa.  <response>: If your career paths are going to include a high likelihood of an income drop, you need to avoid screwing around with this, live on 50,000 a year combined, and pay this debt off ASAP. You dont want 180,000 a year in debt and 200,000 a year in income if you can avoid it. 