<prompt> Human: I have about 20k in SL debt. 6.8 and all are stafford loans. Make about 70k a year and am about 3 years into my career. I believe I had about 40k-ish when I finished law school. A lot of this debt was accumulated while doing a study abroad, which was probably stupid money, but the experience was awesome and may have been worth it. My only other real debt is 9k on a car loan at 2.8, so not too worried about that. I have been somewhat undisciplined about paying down my student loan debt and spending, but have been making it a goal to fix this. If I pay 2k a month toward the SL a month, I can payoff the loan in a year and will only pay approx. 1k in interest. If I pay the minimums, I will pay a little over 4k in interest. Personally, would you payoff this debt so quickly? I understand rates of return, but drastically reducing my available expendable income for an entire year seems a bit extreme, so not sure if its worth it.Have any of you put that much of your income toward a student loan debt or other debt for that long a period of time? Has anyone just paid their SL debt minimums or close to it instead? How do you feel about your choice?  <response>: The other two posters have great advice and I just want to add one more thing:Its not an all or nothing scenario as youve described it. You dont have to pay either the minimums or 2kmonth. If you really think 2k a month is going to stretch you too far, pay 1800month. Theres middle ground here to play with, but the more you can throw at it, the better. 