P.S. Yes, I repaid my student loan after graduation, but made a mistake in doing so. Because of hating to owe (and be owned) by anything, I paid off the debt in large sums just to be out from under it. My loan rate was only 4%, so I could have taken some time to pay it off, but the obligation of it was a bone in my throat and the sooner is was out, the better! So, it impacted my cash flow in the short run, but it was worth my peace of mind. That, and peace with God and (most) others, is more important to me than anything else in this world.