OK I get that situation,

Of course I have convinced myself that clients come to me because they know I will give them my opinion, and therefore they have to listen to it when I get ready to give it.

And I of course would tell them to buckle down and pay off the ****(I saved intuit the trouble of putting in the *'s) student loans and quit making the minimum payments they can get away with. I have had SEVERAL retired couples making payments on student loans, and I don' t want to have any more.

I do have on couple doing what you describe currently, but she is only a couple of years from getting her balance forgiven (like we all know how often that actually happens) and I don't argue with them, because they have the payoff amount sitting in an account ready to write the check if the forgiveness doesn't go through.