I have a federal student loan in the low tens of thousands. My strategy thus far is to be enrolled in income based repayment until the loan amount is paid or when I hit 25 years and the loan is forgiven.    If I wanted to pay my debt off in the suggested 10 years, I would have a payment I could not remotely afford at this point, at least until I pay my other debts off which I estimate may take 3-5 years.    Is my strategy for my fed loan debt overly inappropriate? What would you suggest in my situation?