First, make sure you have 3-4 months of expenses in an emergency fund. After that, I would highly recommend paying off those student loans aggressively rather than wait for PSFL. Once the loans are gone, you can shift that cash flow to fully fund your retirement accounts and invest.
girl_of_squirrels on
Do you have a 3-6 month emergency fund saved up already? If so, avalanche method. You’re presumably on SAVE and in the litigation forbearance, which means you could aggressively pay off all your loans at 6.8% from smallest to largest balance pretty easily
$20k in student loan debt vs $79k in income isn’t typically a situation where PSLF makes sense, but you can ask on r/PSLF for a second opinion
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First, make sure you have 3-4 months of expenses in an emergency fund. After that, I would highly recommend paying off those student loans aggressively rather than wait for PSFL. Once the loans are gone, you can shift that cash flow to fully fund your retirement accounts and invest.
Do you have a 3-6 month emergency fund saved up already? If so, avalanche method. You’re presumably on SAVE and in the litigation forbearance, which means you could aggressively pay off all your loans at 6.8% from smallest to largest balance pretty easily
$20k in student loan debt vs $79k in income isn’t typically a situation where PSLF makes sense, but you can ask on r/PSLF for a second opinion