<prompt> Human: Recently got married to my wife who had attended college and grad school on scholarship. Over the years, she has saved about 200K which happens to be the current balance of my ever increasing student loan debt. I have been on PSLF for the past 3 years and have 7 more years to go. With the growing uncertainty as to whether the government will really honor and forgive my debt which after 7 years will near and probably surpass 300K, my wife suggested that we pay off my debt with her savings. While I am tempted to bite on that opportunity and start over on a clean slate, there is a multitude of factors that steer me away from doing so: obviously shame and guilt associated with causing my wifes savings to go to waste, depriving her of a chance to enjoy her hard earned money, and the thought of why the heck did I consolidate and get stuck with 7 rate accruing a significant amount of interest if I am not going to take advantage of PSLF. An alternative would be to smartly invest the 200K with the aim of achieving higher than a 7 return which of course is another uncertainty. With the interest of my student loan being 7 , if the government somehow denies my request for forgiveness after 7 years, well hopefully have enough money to pay it off and still have some left in our savings. What would you do??? Note: For those who are not familiar with PSLF, it is a loan forgiveness program where you have to have made 120 monthly payments while employed in an eligible public, non-profit job.  <response>: Theres a lot of math missing from this that you need to consider as a couple. Like her income. If she makes 500k, sure just pay it off.The most important consideration for me is what you could make in the open market and whether you are trading off the highest income, later years of your career for some politician promises that may or may not exist in 7 years. If you are tying down your career for this, it might have far-reaching mathematical consequences and lifestyle impact. 