Do you have an emergency fund? Any other loans? I would make 10 percent payments to retirement fund until I have a 6-month emergency fund stocked. Do you have any other big events to plan for, i.e. wedding? I'm planning on socking away money for wedding/honeymoon after I get my emergency fund squared away. Think about any other things you want in a few others and try to find a way to save for those, put at least 10% in retirement and maybe some for a vacation fund.

I've traveled a lot to Europe/abroad (at least every year since I was 18 and several times before then). Those experiences have always been worth it. Last year I took a $2,000 trip to Europe even though I have $28,000 in loans now (it was partly funded by graduation presents, partly by my own savings). Even though that's a lot of money I could put toward the loans, I also don't want to be 30, debt-free but not having that experience. I pay $60 extra to my student loans, but still plan on going abroad (Birth Right Israel trip so only about $750 total).

You have to find your priorities. I am fairly frugal, but also plan to be debt-free in 7-8 years. I own my car and plan to pay cash for one when my current one dies. But I also want to travel and buy nice beer a couple times a month. I have money to drive 6 hours roundtrip every weekend to visit my boyfriend. So just find out what your priorities are (none of us can tell you) and save accordingly.

Also, once you start traveling, you'll want to travel more. I hope to be able to go to Europe every few years and am willing to sacrifice/work more to do that.