re: What do you choose: 5% for 20 years of your future income or student loan repayment?

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As a biologist, she’ll never pay them off

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Exactly, is she’s a Dr making $3-400k per year upset she’s paying 15-20k/year for her education….boo boo, she’s still bringing in more than enough to buy Kleenex.

If she ends up not getting into medical school or life changes make her want to peruse a life as a biology teacher making 40k/year…she’s paying $166/month instead of $333/month