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Thanks for the comments. I'll get with my servicer on the scenarios.

regarding putting the money to work in some other fashion, I think its a good idea, particularly since I think I can beat 3.75% on that money over the long term. However, its a joint decision between me and my DH, and its pretty important to to pay off the student loan.... We are trying to follow a Dave Ramsey type snowball which suggests pay off your smallest debt first. The whole thing is kinda funny to me because they are my loans, and in my name..
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