I have about $20,000 and change in federal student loans and since the student loan forgiveness fell through payments will start for these soon and honestly I just do not care. I always see people making themselves absolutely miserable trying to desperately pay off their student loans by living as cheaply as they can and working as much as possible. My tentative plan is to just consolidate all of my loans, get on an income based payment plan, and pay the lowest amount possible with automatic payments and move on with my life. I just don’t see the point in making myself miserable and living off of Ramen for the next few years so I can be debt free. As long as those payments are made on time my credit will be fine and if by some insane miracle I would one day be able to purchase a house lenders care more about your monthly payments instead of the overall debt. So why care and make myself miserable when I can just pay a $100 give or take a month and call it a day?