Kristie needs lower payments for a few years until she's done paying off her student loans, and she thinks she could then afford far greater payments. What is Kristie's plan for paying off her student loans?
1) Continue making the same payments until the loans are paid off
2) Make lower payments for a few years and then increase the payments
3) Pay off the loans as quickly as possible
4) Refinance the loans to get a lower interest rate