j_IM Ohio, I really appreciate the detailed response. Sharing your experience makes me feel better especially handling of a student loan out of proportion to salary. I now realize that it might be possible to pay it off before 30 years.
BTW, the SL I have is via the US Dept. of Education and is in excess of 100k. I have several payment options: ~600/m fixed for 30 yr, a graduated payment that starts slightly less then that and gradually inc. over 30 yrs and then and option for ~1200/mo for a 10yr plan. Right now, the last option is unrealistic given my current financial status but it certainly might be realistic a few years from now. You provided me with some great ideas that will help in redirecting my focus. thanks again!
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