No. of Recommendations: 1
I might add that we intended to put any extra money toward the e-fund.

My husband has terrific, sensible money-sense, and we've transfered all of the high-interest credit cards to cards with zero-interest.

That is great. I am sure if you approach the student loans with the same intensity as the credit cards, you guys will be fine regardless of the option that you choose.

If I were in your situation, I think I would take the graduated payment plan and then work my tail off to pay it off sooner than called for as the money permits.

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