Comment by sirsean

I paid mine off within about two years after graduating, but later learned that doing so wrecked my credit. (The credit score people want to see a long record of payments, not someone who quickly pays off debts in full.) I felt that it was better to pay them off NOW, rather than pay 10x as much over the course of decades.

I'm sure if you have a credit card or something, you wouldn't have to worry about that.