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Should I pay off student loans early?

Quick Answer

Depends on the loan. High-rate private loans (8%+): pay off aggressively. Low-rate federal loans (4–6%) with forgiveness eligibility (PSLF, IDR): make minimum payments and invest the difference.

should-i-pay-off-student-loans-early
Warren Team
Updated March 9, 2026
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Important Disclaimer:

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.

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