If her debt elimination plan is to use student loan forgiveness, such as PSLF, paying extra won’t help anything. The forgiveness programs look at how many payments were made… not the amount paid.

That all being said, if she will eventually be paying the loan off in full (which is the case for most borrowers) paying extra will be very helpful to her and it will not affect her repayment plan options.

What is the difference if she is working toward forgiveness? Don’t both payer and repayee involve forgiveness? Or are you referring to PSLF? Still, why does that matter?

there is nothing wrong with paying extra… one reason you wouldn’t want to pay extra is if your daughter is working towards student loan forgiveness

Lenders don’t really reveal the exact factors that go into their calculations, but my educated guess would be that loans to be refinanced are not included, but existing student loans that are not in the refinance would be included.