<prompt> Human: I have 41k in student loan debt. After using a loan calculator, I see that I could pay them off in 10 years by paying 455month for a total of 54,621. My other option is to pay the minimum required amount of 297month for 22 years until my debt is forgiven, for a total of 77,391. Right now I make 65kyear, up from about 50k two years ago. I live by myself paying 980mo for rent. While paying the minimum required amount on my student loan debt I manage to put 200 in savings each month and have built up about 6k in cash in my checking and 2.5k in savings. Im putting an extra 150 per paycheck automatically into a retirement fund. I also have a pension that gets subtracted from my paycheck. Should I continue how I am? Right now Im able to slowly build up an emergency fund and put money slowly away in savings to potentially buy a house or use it for something else. If I start paying 455mo for the 10 year plan I wont be able to save 200mo anymore and it will cramp my lifestyle. As I write this I just realized that maybe I should stop putting the 150paycheck towards retirement and instead put all that towards my student debt until its paid off. What do you think I should do?my student debt  <response>: Just be careful if you go the forgiveness route. From what I understand is that anything that is forgiven is counted as taxable income that year. Just be ready to pay more on taxes when the time comes if you go that route. 