As others point out, it's really unusual to have federal loans as low as 2.5% (as you mention below). Most are considerably more. Are you sure that's a federal

As others point out, it's really unusual to have federal loans as low as 2.5% (as you mention below). Most are considerably more. Are you sure that's a federal loan? It's also worth noting that 2.5% is still higher than inflation in the last couple years.