I just did the math and I pay 16% of my take home after tax and 401K towards the evo every month… my payments are less then 16% - I pay more then the minimum.
and anybody who tells you to pay off students loans faster is stupid. federally subsidized student loans are the cheapest money you can ever borrow. they also carry special terms that allow you to stop paying if you lose your job etc. So you want to pay the min on student loans and pay more on other loans like a house or car.
the only reason you would ever pay off you student loans faster is because you have no other debt in your life at all.