Extended Student Loan Payment

[Alec McGinn]

I’m coming up on the end of my 6 month grace period before I have to start paying my student loans. Between my wife and I,for the standard 10 year pay off, would be paying a little over 800 per month for the next ten years. I am thinking about choosing the extended payment for 25 years that would lower our monthly payment by more than half. Then, I would take the money that would be going toward the 10 year payment and investing it for 25 years. I ran the numbers and even though I would pay 13000$ more in interest, I would generate more money investing 10 years longer than investing the full 800$ a month for 15 years. I would invest this money primarily in my Roth IRA, but I also set aside 30% of my income for real estate down payments. Now, please let me know your thoughts on this matter? Is my logic good? What approach would you take? 10 year or 25 year?