Thanks!! We need all the help we can get...
We are in a very similar position.. My dh can get the PSLF, he is in the army, but as of this year he didn't qualify for IBR. So, one idea we had was to max out his TSP, to lower our AGI, so that he can qualify for it. But then i get nervous that he will get promoted in the next 10 yrs and then he won't qualify for the IBR and we end up screwing ourselves..plus I hope to go back to work before then...if we ever stop moving so often...
We also thought about getting on the IBR as a strategy... Go on IBR, get the interest savings, for the first 3 years plus lower payment, save that on a taxable account gaining some interest, then towards the end of 3 yrs, just pay it off completely...
Anyways, i feel your pain..we also change our minds every 5 mins, hahaha... Or we come up with some great plan..then...
We don't even have an EF..well, long time ago, i contributed to a Roth ira, so i guess we could use those contributions, about $10k, if the shit ever hit the fan... But we only have about $3k "cash" sitting in the savings...
And congrats to you for paying off the 5 small loans...