<prompt> Human: Hello personalfinance, as the title says, my wife and I are trying to decide if we want to pay my student loans aggressively by living cheap and not going on any vacations, or to pay them off as scheduled making near minimum payments. Here are the facts regarding this decision: 20k in student loans, averaging 4.25 interest rateEstimated 4,000 a month take home incomeRoughly 2,200 in monthly expensesNo kids.I did a quick estimate that if we save 300month and put 1,500 toward my loan each month, we could have it paid off in about 14-15 months. But, this requires us to live a bit more frugal and not take any vacations. The other option is pay 200-300month and be less frugal. I would really appreciate some adviceopinions on what youve seen work and how that affected your future. Thanks!  <response>: I kind of favor getting the monkey off of your back, but you have a range of options available to you. Would you consider paying 800 instead of 1,500? Its not all or nothing. 