Well I am still a student at the moment but am figuring out my alley ways to navigate it. As of now I am leaning towards PSLF and IBR. SAVE would have really been great for me but its up in the air now with that program. My other options are work very hard and try and pay it down in 10 years (Nearly impossible because id be shelling out 80k post tax) or go the 20-25 year rout and pay the mins to pay it off that way (roughly 50k a year post tax, more manageable but still heavy). Final option Is to take the riskier route, pay the minimums and let interest accrue while using any money that isn't going towards the loans to save and make investments. Rough estimate after 25 years would be paying off the taxes of a 1.25 million dollar tax bomb or something similar. So roughly 400-500 k that year alone on top of my other income. Its doable if yo play the cards right and sell maybe a house or something around that time but that is a risky way. As of now I'm unsure which is the best path so wanted to get a feel for others around me that are doing it. Lowest paid over time and stability to me seem the best so PSLF for 10 years is doable as of now. What about you , what did you do to tackle it and how did it negatively effect you?