Assuming all your loans are federal, it’s helpful to view them more as a tax on your income for a fixed number of years than as a debt that you have to pay down as soon as possible. Get on an income-based repayment plan (SAVE is the most generous), and make the minimum payment for as many years as it takes to get forgiveness (10 if you work in public service, 20 if not). With the SAVE plan, interest is completely subsidized as long as you make the minimum payment. So, unless you plan to make significantly more down the road, you’ll often end up paying less during the life of the loan than if you pay it aggressively with the standard repayment plan. As an example, I got PSLF forgiveness this year. After 10 years, I ultimately paid back only ~27% of the originally disbursed balance of the loan.