Do you work 2 jobs to maximize your income or do you have nights and weekends off? If not, how do you explain that trade off to your student debt collection agency?

The OP mentioned "slightly below market"; not "woefully below market" or "having trouble paying my debts". Based on their (short) post they don't seem to be in any financial troubles.

Definitely a trade-off. Until you're out of debt and somewhat financially secure, going for money may be a good strategy.

Alternately you can go for pay-as-you-earn, possibly excepting a lifelong indenture.