I was listening to Dave Ramsey today and when someone asked whether they should pay off debt or get new student loans, Dave said to stop going into debt and finish school without debt and hold off on the old student loans. My wife is in med school and the cost is 33000 a year (just tuition). I would prefer to pay off the older student loans to keep interest from acruing and capitalizing and then attack the new debt. I'm only able to pay 22000 a year towards debt. What is the best advice? Should I start saving for a year just to pay for the next year of tuition all the while having interest accrue on the student loans?