<prompt> Human: Hey all figured id ask for opinions and advice going forward with our careers. My wife and I will be starting work this fall and are looking at about 450-500k salary combined working 40 hour weeks. Our student loans are at 930k combined, all federal 6 interest, and all with 3 out of 10 years of PSLF qualified payments. We have some big decisions to make in the coming 3 months which will obviously affect us for the rest of lives.The first option is to continue working for non-profits and put 10 of our income toward the loans for 7 more years. I think that comes out to about 2.5k a month for each of us, which will pretty much only cover interest essentially freezing our loans at the level where they are now and wait to see if the federal government will do their part Im not too ecstatic about it. With this plan we can afford to save for retirement now and hopefully mortgage a starter condo whose equity we can use to purchase a nicer home once the loans are taken care of. This is obviously the most attractive to us right now but relies too much on loan forgiveness.The second option I see is refinancing into private student loans at about 3.5-4 and pay it off in either 5 or 7 years about 8.5k or 6.5k per month for each of us respectively. This doesnt leave anything for savings, we will have to rent an apartment, and well be living at or below our current level of resident salaries. We can work 60hrs a week, and increase our income that way to help start saving and not have to resort to eating top ramen as professionals in our 30s. Im wondering if there is a middle ground between these two, as in perhaps setting aside 8.5k a month each, using 2.5k of that to pay our PSLF for 7 years, and using the remaining 6k a month into some sort of savingsretirement account that can appreciate a bit and that we can pull out full force to pay the loans in a lump sum in the event PSLF is abolished. We would love to hear opinions or any new ideas you may have. Thanks!  <response>: If you make 500k a year no reason to have the government payoff your loans hunker down and get through them by living on a low budget. Those loans are the sacrifices you made for a salary that high the rest of your life 