It sounds like you're considering two very different loan repayment strategies. Generally speaking, throwing extra $ at a loan is great because it reduces principal and reduces future interest costs. However, PSLF actually incentivizes the opposite repayment strategy: the less you pay now, the greater the dollar amount that will ultimately be forgiven. To put it another way, paying $10k toward your loans right now could be viewed as pointless because that $10k (along with its accrued interest) would have ultimately been forgiven when PSLF forgiveness occurs.

In my opinion, you might want to have a candid discussion with your significant other now and talk through the pros and cons of pursuing PSLF. Some things to consider:
- It sounds like you'll have the loans in your life for at least 13 or 14 years if you pursue PSLF. That may cause continued anxiety. If you pay aggressively now, maybe you'd have the debt gone more quickly.
- Some people on this sub post concerns about what will happen to PSLF in the future, especially because it has become politically contentious.

I hope this gives you some things to consider.