[ChrisLomont]

>ideally it would be designed to not take you more than say, 8 years to pay off

Making minimum payments always increases the length. How do you define your pay off?

For the record [1], in recent years around 58% of bachelor's degree holders incurred debt, with the median at $23,000. If you want to pay over 8 years this is around $3k per year, which should be completely doable for anyone with a bachelors degree over an 8 year span (over 8 years the average person will make far more per year than starting wages).

[1] https://www.bestcolleges.com/research/average-student-loan-d...