I have a really low interest rate, so I extend mine out as far as they would let me. I think I will probably pay it off by the time I am 50 or so, not sure. 4 years of under grad, and 3 years of grad school left me with about $60K total. My wife probably has $20K or something like that. It just sort of comes out of my account every month and I don't really think about it. It definitely sucked when I was just starting out, but it's not big deal now. go cats.