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Hey there 
I'm looking for the best repayment strategy to pay off my student loans in a stress-free manner over a period of time. I'm not the type to lose sleep over paying off my student debt in the quickest amount of time. I would say I'd like to focus on a strategy that allows me to live comfortably, and gives me a plan of attack I can stick to. Thus far, I have paid my IBR payments on time, but would like to make sure this is the best course of action. I'm well aware that I can be forgiven after 25 years if I pay consistently, but I'd like to cut this time in half.
Here are the specifics: I am 27 years old/Married/ 130k in debt/all federal loans (12 in total)/highest interest is 7.21% at 27k/lowest interest 3.4% at 4k/if were to consolidate all loans the interest would be 6.25%/My IBR payment is 179$ based on my previous 55k income/My new income is 80k and plan to make 120k within 3 years/I have 25k in assets (401k/investments/savings).
WWYD, factoring in refinancing/IBR/consolidation/snowball method/avalanche method and all that jazz.
I'm looking for the best repayment strategy to pay off my student loans in a stress-free manner over a period of time. I'm not the type to lose sleep over paying off my student debt in the quickest amount of time. I would say I'd like to focus on a strategy that allows me to live comfortably, and gives me a plan of attack I can stick to. Thus far, I have paid my IBR payments on time, but would like to make sure this is the best course of action. I'm well aware that I can be forgiven after 25 years if I pay consistently, but I'd like to cut this time in half.
Here are the specifics: I am 27 years old/Married/ 130k in debt/all federal loans (12 in total)/highest interest is 7.21% at 27k/lowest interest 3.4% at 4k/if were to consolidate all loans the interest would be 6.25%/My IBR payment is 179$ based on my previous 55k income/My new income is 80k and plan to make 120k within 3 years/I have 25k in assets (401k/investments/savings).
WWYD, factoring in refinancing/IBR/consolidation/snowball method/avalanche method and all that jazz.