Should I pay off student loans early?

CreditWarren TeamPublished April 25, 2026

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.

Decision matrix for paying off student loans early.

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. Read our disclaimers.

All questions

Get an answer built on your own numbers

Warren reads your accounts, then answers questions like this one with your real income, taxes and goals in mind.

Try Warren Free See a demo