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200k in MBA debt (federal @6%); 120k saved up and 120k salary

Would you drop that whole savings on loans or invest a portion?

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I would not take savings to zero. You need an emergency fund for unexpected issues. That said 120 may be too high, maybe not. That is over a year of expenses. I would look at your monthly expenses and keep 3-6 months. Depends on what you are comfortable with. I would keep that amount in cash and any needed for near term expenses. That the rest and pay down loans. If you can refinance and get the rate much lower. That may change your plan

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Depends on things like your age, goals, kids etc.

1) how much do you need for an emergency fund (3-6 months of expenses)
2) time in the market is important, so dollar cost avg in index funds up to an amount that is comfortable for you
3) is piece of mind of no/low debt worth more to you than potentially higher gains elsewhere

Unless you’re buying a house or something like that, you probably are sitting on too much cash, especially if inflation ticks up a bit.

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Refi loans at a lower rate thru first republic or others with an aggressive repayment schedule (5-7 years)

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If you own a home, it is cheaper to get an equity loan and pay off the student loan. Then keep paying the equity loan at much lower rate

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120k salary only post mba?

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Put $75k in the market, PAYE the loans.

Refi for lower rate, let the debt get inflated away and make minimum pmt, invest the $120k

You aren’t paying attention to the game being played but that’s ok. Ngmi

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