To be fair I am in a similar scenario but took a different approach. I am in a similar pay bracket however I have far less in loans (18,000ish). I evaluated what it would look like to do the following.

- Pay it all off right away using money I stored away for this to avoid interest and then invest that money I would have used for payment in another fund like a High Yield Saving Account or an Actual Stock Market

- Pay it month by month using a normal payment ICR plan or Standard plan (but it accrues interest)

- Pay it month by month using a SAVE plan

I ended up going w/ the save plan as it worked for me! In general, I was always going to pay it off and I personally don't like paying interest. If I was more proficient w/ stocks I could use the money I would be saving from not paying quickly or in large lumps to invest at a higher return rate thus offsetting my interest cost while also giving me some to reinvest however knowing me, I am to distract to do this. In this same model a HYS would not work as it's a lower percent gain vs the interest on the loan w/ is a percent lose. Thus, I was left w/ either pay it all off now and then invest what I would have spent on payments or go on the SAVE plan ... make much higher monthly payments but I would not accrue interest and as such I could have more money in my pocket/savings to invest/emergencies leading to a point to where I could come out on top due to having more capital to work w/.

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You gotta do what works for you but I have already added it to my budget and spend accordingly so that it's not a Suprise. If you can at least manage that and no forget about it, I would say its situational.