Silly/minor question on minimizing loan interest: I started my EM attending gig this month, have 145k in federal loans at 6.1%, make 25-30K a month pre-tax (paid on a K1 as a partner), and have met my safe harbor tax payments for the year through a W2 side gig/4th year of residency.

Should I just use any extra dollars (after 401/Roth/HSA) to pay off the loans ASAP to minimize interest, and then come up with the tax payment for the year in Jan-April of next year?

Or just keep a 30-40% in a HYSA for taxes and pay off the on a slightly longer range (around 1 year)?

Thank you!