<prompt> Human: The basics:Graduated from law school last year, have a good job now making just about 63k working for the government. Have about 101,200 in student loan debt.Got the government job earlier this year, applied for PSLF program, was accepted - in that tentative way - loans were transferred to Fedloan Servicing. My income based repayment plan gives me a monthly payment of 350. Since my loans were transferred a month or so ago, Ive been keeping an eye on the interest and called today to find out how much is accruing monthly.This is where the panic comes in.Interest is about 20 a DAY, around 600 a month. My monthly payments arent even coming close to covering the ACCRUING interest, never mind starting in on the back owed interest. I am no where near convinced that the PSLF program will remain as is for another 9 years and 10 months. Im terrified that Im going to be making these monthly payments and after ten years, be on the hook for significantly more than I ever borrowed in the first place.Obviously if I start paying an extra 300 a month, thats going to seriously slow down my emergency fund savings just getting off the ground or any long term house down payment dreams. But the risk that Ill owe upwards of 120k ten years from now and no guarantee that program will be there is terrifying. tldr - Am I better off making my minimum monthly payments and trusting in the Public Service Loan Forgiveness Program, or should I be paying at least as much interest thats accruing monthly, almost doubling my monthly payment?Thanks so much for any insight. Very terrible feeling after that realization. Typed on phone, will likely edit for clarity laterheres a link I found while researching this more  <response>: I think it just depends on your trust in the federal government. The less you want to depend on this program being around the more I would suggest you put more than the minimum toward your loans. But if you trust that it or the IBR forgiveness will stay in place then work on your other financial goals. You sound skeptical of the PSLF remaining and I personally agree. If I were you, Id put more than the minimums towards my loans but I wouldnt prioritize it over building an emergency fund. 