You know, you start paying these things off thinking it's going to cost you $60K and you're going to make these same payments for all the rest of your next 30 years. But if you can keep from acquiring more debt, what will happen is you'll progress in your career, make more money, be able to apply more money to paying off your loan, until you are one day making double or triple payments and then one day you'll see that the loan is small enough to write a check for the whole remaining balance. You're not going to have to pay $130K and thinking that you are sets you up for that "oh well, I'm so far in, what's a little more debt?" mentality that gets a lot of people into deeper trouble.
Female, 5'3", 48, Starting weight: 163lbs. Current weight: 135.
Starting squat: 45lbs. Current squat: 145 x 4.