Can be a tough proposition, but if you are dead set on getting rid of your student loans asap it can be done. I know you have thought this out, so please don't take any of the advice below as patronizing. Maybe some others in your position can benefit from this discussion as well.
- Good God 145k is a ton of money. Remember why you spent it. An investement in yourself that will pay dividends over your entire working career.
- Set realistic incremental goals, and celebrate when you achieve them. You are going to get discouraged. Throwing thousands per month a 145k will begin to feel inconsequential.
- This is going to take longer than you anticipate. I am sure you've planned out the scenario realistically...but by this point in your life I'm sure you can appreciate that stuff comes up. Don't get beat yourself up if you fall off schedule.
- Prioritize. For example, don't shove all of your money at the student loans if you have a high credit card balance. Get rid of your high interest debt first.
- Don't depend on overtime, the two job idea is much more realistic.
- With the above said, floater positions aren't as available as they once were. Expect lots of commuting if you will be floating.
- Keep in mind that the hours at your part time gig may or may not be "set", so they could easily begin to interfere with your primary job.
- 7on/7off is pretty sweet, but it does mean you are working every-other weekend. You will also be part-zombie during your first days on/off. In hospital pharmacy, you will probably be the only pharmacist on-site so it is not really a good choice right out of school.
- Don't underestimate burn-out. It can happen pretty fast, which is a bad thing in a highly-detailed-zero-defect work environment. You won't see your wife/kids very much.
If you can swing it getting rid of your loans can be very satisfying. Imagine the weight off your shoulders when that $145k = $0.
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