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@ChasnotRobert objective is to pay as little as possible to the student loan company as possible during the next 30 years. I think pay as little as possible without allowing interest to compound, and if my salary grows, I service the debt with mandatory contributions not net salary supplements
bobble-
Aim is to pay back the most possible while the interest rate is lowest.
Given its rpi+ 4% its unlikely to get much better than it is now.
Given you're unlikely to earn less than you do now, I'd suggest you pay it back as quickly as possible. Or the interest rate on it will increase and you'll end up paying back more.There are a few variables but it's unlikely we will get lower interest rates.
And given your earnings and the cut off period you will pay it back one way or another.
skinny
Depends if your objective is to become debt free, or to repay as little or as slowly as possible to student loan co.