<prompt> Human: Hey Guys-I graduated in 2009 with a substantial amount of debt. My husband and I are doing the snowball plan to get out of debt over the next 6 years. Everything will be paid off house too except this 200k at 6.5. I only make 50k a year and my husband makes 35k- we have 2 kids and a house. My question is- I pay 10 of my income to this now- Do I pay it down like crazy in 6 years? or with the new student loan laws the loan will be forgiven in 30 years- Should I just wait it out at 10 of my income? It seems as though my income is not going to go up over 100k ever. What do you think? Assistant: What kind of degree is worth 200k?Human: None really- its a doctorate- from a private for-profit school- I was oblivious to the principal-It was a very stupid mistake- I know that now- I just want help digging myself and my family out of this hole.  <response>: Is it at least accredited? I would hate to think you just got scammed out of 200k... 