<prompt> Human: Currently finishing up medical school and I am sitting on roughly 100k in student loans highest interest is 6.2 the lowest is 5.4 interest. I want to start preparing to pay this off once my residency begins so I was hoping to get some advice as I really have no clue what approach would be best ie refinance or to not refinance, REPAYE vs PAYE vs IBR. My only understanding is that I should make the minimum payments and then pay all the extra that I can afford to pay towards the loan with the highest interest. Any other advice on how best to approach this?  <response>: Forget the loans. Just dont waste money and focus on maximizing your income while not burning out as a physician. Soon enough youll be earning plenty that 200k of loans at 10 is no big deal. 