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I voted pay it off because I wouldn't be that surprised if the forgiveness program was ended and because it would free your wife to work somewhere else (or not work) if she wants. If she's confident that she wants to stay in her current job for at least 5 years, it might be worth the gamble to let it ride and go for forgiveness.
The bottom line as far as I'm concerned is that a few thousand dollars over several years isn't worth it if your wife will feel trapped by it.
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“Boy, you all want power. God, I hope you never get it.” - Lindsay Graham
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