[kayhi]

I think this is why people recommend starting early and having a 40 year window.

I’m considerate of the fact that many have student loans, etc. and this isn’t feasible.

A blogger Mr. Money Moustche pushes hard on having a high savings rate compared to the norm.

[ChuckMcM]

This is absolutely true. Student loan debt is a huge burden. If you're burdened by debt then most financial advisers in a low inflation scenario suggest you pay it off as quickly as you can. If we suddenly get 8 - 12% annual inflation and your salary is tracking that, then by all means stretch out your repayment so that you can pay it off with inflated dollars.