<prompt> Human: Hey all, long story short Im in the process of planning out a student loan payoff plan for my fiancé and I. Basically she is a couple years into the IBR deal but with the state the US is in I dont have a high level of confidence these will be discharged in 20 years, then Ill be the one who has to deal with it it plus interest.We have a savingspaying plan figured out that I think could work, but Im trying to figure out if we shouldActually pay big payments on her loans vs sticking it in an account somewhere then paying it off in big chunks or all at once. Her apr is 6.25. As for the title, is there such an account I could stick it in? As a moderately financially literate person I know its a dream account and I would have heard of it by now but if anyone has some advice or out of the box ideas Id love to hear them. Thanks! :  <response>: if there was such a thing a 6.25 savings account dont you think everybody in the world would be using it? even 2 on a savings account is stretching it 