My loans were subsidized (stafford) and locked into a VERY low rate for 10 years. I could have paid them off quickly, but my plain old savings account had a muc

My loans were subsidized (stafford) and locked into a VERY low rate for 10 years. I could have paid them off quickly, but my plain old savings account had a much higher rate of return than what the loan cost. It took me 9.5 years to pay them off (I got emotional and just paid off the last 6 months to be done with it.)