Different people and cultures believe different things for the answer to this question. The meaning of life as we perceive it is derived from philosophical and religious contemplation of, and scientific inquiries about existence, social ties, consciousness, and happiness.
A long-term financial plan should include these elements. Time Horizon. A plan should look at least  five to ten years into the future. Scope. A plan should consider all appropriated funds, but especially those funds that are used to account for the issues of top concern to elected officials and the community. Frequency.
You can choose your loan term. Ten years is the standard repayment term for most loans, but you can switch things up when you refinance. SoFi offers 5, 10, 15, and 20-year loan terms, so you can pick the plan and the monthly payment that fits your budget. Federal and private loans are accepted.