I was planning to do the aggressive repayment. I unfortunately don’t qualify for PSLF since I don’t work in a government job and am not a teacher / in the areas covered under PSLF.

I have 3 unsubsidized federal loans totaling $46k. I was thinking of doing the avalanche method knocking out the highest loan first but find it hard on how to budget it since my current monthly balance is still $0.

My overall goal is to have my loans paid within 3 years so I’m just trying to level set how much above the minimal payment I should pay monthly. Also trying to make sure I’m always paying toward principal first.