> Now I’m wondering if I should hold on to them and stop paying ahead If you want to be purely logical about it, the only thing that matters is the interest r

> Now I’m wondering if I should hold on to them and stop paying ahead If you want to be purely logical about it, the only thing that matters is the interest rate. Can you get higher returns investing the money elsewhere? Then invest it elsewhere. My student loan was at 0.2% (yes, below 1). I made the minimum payment every month for 15 years. I was actually sad when it ended. I wish I could have added to the balance! Also one other thing to remember, a student loan doesn't have collateral. They can't take your degree back if you don't pay. They can garnish your wage, but that's about it.