<prompt> Human: Ive been working for about 3 years now and have been on a government assisted income based repayment program called REPAYE which makes my loan payments about 3-4k a month for 25 years. At the end of 25 years, the total loan amount is forgiven but there is a tax bomb of 35 on the principal loan which in my case would be a 300-400k one time payment at the end of 25 years. I dont own a home or any other real estate so I cant take a mortgage out to pay it off, and my wife cant work. We only spend money on necessities no avocado toast and 5 cups of coffee. The only options I can see are:1 sticking with the government assisted repayment program which will mean that I am going to pay about 1.3-1.4 million in a span of 25 years.2 refinancing the loans at a percentage rate of around 5.5 and aggressively paying off the loans over the span of 15 years which will come out to roughly the same amount as option 2.Do I have any other options or anything else I can do to get out from under this huge loan? Thanks guys!Assistant: Your take home is around 25k a month but your only paying 3-4K a month in loans? Where is the other 21-22k going? Human: necessities..Assistant: I have a really hard time wrapping my head around spending that much money in a month, even if I triedHuman: After taxes, loans, and monthly living expenses the rest is being saved not spent.  <response>: How much do you have in savings? I would recommend that after you have a few months of living expenses saved, stop saving and start putting every penny on those loans. 