Tax today or tomorrow won't be tax in 15-20 years. At least that's the way I'm choosing to look at it for now. 
Why not roll it into the mortgage and get a tax deduction (assuming you surpass the new standard deduction)? Even if you don't get the deduction, mortgage rates are still lower than student loan interest rates. That's what we did for the wife's undergrad loans.
FWIW, we save absolutely zero specifically for kid college for a myriad of reasons I've explained a bunch of other places here.
(10-30-2020, 01:38 PM).RJ Wrote:(10-30-2020, 01:33 PM)Kaan Wrote: i'd ask you to define "wayyyy too much" .... part of my ramping up retirement over time had to do with student loans. if you dont WAY over pay they stick around a pretty long time. I was fortunate to pay mine off before i was 30, but after mine were done I did help my brother out with his (yay for mid life career changes). paying them off made life "easy" to turn it into retirement savings... and race car life.
Ugh, we are going to be paying my wife's grad school loans for another 10 years
Why not roll it into the mortgage and get a tax deduction (assuming you surpass the new standard deduction)? Even if you don't get the deduction, mortgage rates are still lower than student loan interest rates. That's what we did for the wife's undergrad loans.
FWIW, we save absolutely zero specifically for kid college for a myriad of reasons I've explained a bunch of other places here.
'76 911S | '14 328xi | '17 GTI | In memoriam: '08 848, '85 944
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth