Hello, I also am a 100% Vet. I started making payments on my student loans in late 2006. In June 2007 I purchased a house in Sequim, Wa. I used my VA Loan and got a high-6.375%- interest rate. Just last December 2009 I refinanced and got a rate of 4.875%. Saved $300 per month.
I am just making my payments on auto-pay and don't think about them. You could probably arrange a low repay schedule like I did. By the way I just shopped for the RE-Fi loan on the web and got the good rate. I took just 3 weeks to turn around and cost me very little, like $1200 (rolled into the loan) to do it. I went to First National Bank of Kansas City. (I don't know or work for them). Wells Fargo wanted to charge me $5600 to do the Re-Fi and just for a 5.6% rate. Imagine my pleasure when Wells Fargo bought the loan from FNB of Kansas City.
I just started paying and worked the system. I am a 100% Vet with PTSDF and a not-so-sharp brain.