Sorry, but I just had to celebrate. I just made my last payment on my ~390K of student loans I had waiting for me when I finished residency. That's after I spent my first year paying the minimum IBR payment only to realize it wasn't really doing anything other than paying interest. I had about 2/3 high interest ~7% and a third at ~3.7% I was so depressed looking at that enormous number and calculating the interest I was paying annually. I made a decision to get aggressive with it and started paying about ~10K/mo on average and have been watching it slowly go down ever since. It took me a few years but damn I'm glad to get that monkey off my back!