How Do I Get My Wife to Increase Her Risk Tolerance?

How do I get my wife to increase her risk tolerance? Is there a certain threshold of money in the bank that gives peace of mind? Ron has a question. He says, wife has 300 K in student loans at 7% for a doctorate program and these will be forgiven in six years with her current employer. Should we treat it as high interest debt and pay more than the minimum or slow down in the end ? What do you think?