That's $26,000. Your loan payments are going to vary by interest, but let's put it this way. Even if there was no interest, it'd take over 10 years to pay it off at $200 a month. _With_ interest, which of course you're going to have, perhaps 15 years or more. If you went less than $200, you'd be paying off that loan longer than you want to think about.
You've got a few years to think about this. Just remember, inflation is now officially your friend, that means that you'll be paying off your loans with dollars that are worth less than the ones you originally borrowed. It's very possible that inflation will kick in, in a few years. If we're in a high-inflation environment when your loans come due, pay them off relatively slowly, because the longer you wait, the less valuable the dollars are (Your salary might rise in response to inflation, but the loan amount will be fixed.) If inflation stays low or we have deflation, pay off more quickly. Especially if deflation happens.
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