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Thanks for the quick reply it really helps!

1. I'm not really sure if I have a chance at PSLF? I went to law school for one semester and left, proceeded to get a Masters and now work in advertising as a writer.

2. I'm a woman haha, my husband doesn't have US income this year because he is foreign, but luckily, has no loans nor debt.

3. Kid free, dog friendly.

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.