<prompt> Human: When I first graduated college, I figured I would just make minimum payments on my PAYE plan and have the rest forgiven after 20 years. That was 5 years ago. I have 178 months left on my plan with a debt of 59,100 and an average interest rate of 5.975. I understand that I will be taxed on whatever is forgiven. I am having trouble finding calculators that will tell me how much will be forgiven as studentloans.gov for some reason is not giving me the right information. I already have 6 months emergency fund savings. I am contributing 10 post tax income to a Roth 401k with 5 employer matching. Originally, I was planning on saving for a down payment for a condo... but now Im not so sure. Its depressing to think about putting all my saving into student loans just so I will pay it off in 5 years, so I will most likely not be aggressive with it. But I do need help with a plan of action.Can someone help me paint a picture on what the proscons would be to the following situations:1 Paying the minimum amount, 220, until my repayment period is done and my loans are forgiven. The forgiven amount would be taxable. I would use my savings for a down payment on a condo instead. Im thinking 100-150k condo, with around 5-10 down payment. I do not want to wait until I have a 20 down payment because it will take forever to save.2 Put the bulk of my savings into repaying my loans... maybe pay it off in 5 years if I put about 1200 a month to it. Have no money for nothing else.I am struggling with the concept that there is a minimum amount I must be paying monthly towards my student loans or else it will not be worth it... since it will be forgiven in the end regardless of it being taxable. I dont know how to calculate it all...  <response>: It looks like the Dept of Education student loan calculator is assuming your income will eventually increase enough that you wont actually have anything forgiven because youll have them paid off in around 18 years as your payments increase. But even if you end up getting 20k or so forgiven, the amount of extra interest youre paying will be 20000 or so more than if you pay them off in 10 years, not to mention the 5000 tax bill. 