This probably belongs in an investing thread but for those with excessive student loans that are still with Fannie Mae or Freddie Mac or Bernie Mac or whatever the Fed program is these days, I recommend refinancing with something like SoFi or LendKey (I got quotes from three different places). My interest rate was cut by more than 50%. Obviously there's a little less leeway if you need to freeze payments but if you have a good job certainty it can save you 10's of thousands of dollars.