<prompt> Human: Swedish student loans have an interest rate of 0.34 which is so incredibly low that to me it doesnt make sense to pay them off in lets say 4-5 years. Im most likely going to rack up 70,000 in debt from going to college in America. Would it be wiser to put the additional money into some sorts of savings account where they will grow?  <response>: If I had leftover money after savings and 401k, Id put it towards the loan just to get it paid off faster. It might be a super low interest but its still a monthly payment. But I definitely wouldnt make extra payments a priority on it. 