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I had about $60K in loans when I graduated. I got interest rates < 3%. I'm paying back over 30 years. I just started paying back last year. Basically my current payments are just going to interest, which is fine with me, The student loan interest payments are tax deductible.
If you lock in a good interest rate, just pay the minimum every month. Take whatever money you have extra and invest in a higher yeild account. If the interest rate on your student loans is 4%, you can get a CD for 4.5~5% and let the CD pay for your student loan interest and then some.
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"If I am such a genius why am I drunk, lost in the desert, with a bullet in my ass?" -Otto Mannkusser
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