[Valium]

If you are good at managing and investing your money, hands down it is -EV to pay off your student loans, unless you have a bad interest rate.

My loans are locked in at 3.xx% and I make over 5% just in my internet savings account, much more than this in the markets. The choice is clear. I'd be losing a lot of money by paying off the loans early.

Now if I wasn't good at managing my money or good at investing, then it would be better to pay them off and not have to pay the interest etc

Also important to note that student loans in good standing are considered 'good debt' in that they actually help your credit score and help you to build credit, get loans etc etc.