To add to points others have raised here, student loans are almost impossible to discharge in bankruptcy and backed by the full range of government collection m

To add to points others have raised here, student loans are almost impossible to discharge in bankruptcy and backed by the full range of government collection methods (withholding of tax refunds, automatic wage garnishment, etc.). The only comparables are tax debt, child support, and possibly criminal restitution. There's not much of a safety net with student loans. There's some income-based repayment and forbearance options, but you pay more over time with these, and they only generally apply to federal loans, not private. Likewise there's some forgiveness options, only for federal loans, not private, and only after you've been bled dry for decades in poverty. Marry someone who's not poor? Forget it. Basically, if you want security, try to get rid of student loans. I built up home equity and am now rolling my loans into a mortgage. 3% interest rate is lower than any refi options, no worries about the rate going up, and if I ever go broke, then worst case scenario I lose the house and am debt free.