<prompt> Human: Im fortunate to have minimal debt after graduating from school. Ive begun paying of my 8,000 loan as quickly as I can, but I realize this may not be the wisest decision.Im 22, have excellent credit, currently have zero credit card debt. I live with my parents have minimal bills, car is paid off and have 1,500 per month in unallocated income. Ive been splitting that fairly evenly between my savings and my loan payments thus far. Should I take this time to build my savings as much as I can and only make minimum payments on my loan? I hate having any kind of debt, so my first instinct is to pay it off as quickly as possible, but I know strategically it may not be the best idea.Thank you for any advice!Edit: 4.29 interest rate on loan currently no 401k isnt offered at my job or other retirement account.  <response>: I paid off my student loans within several years of graduation. I never had a single regret about it. I have a relative who dropped out of college about 19 years ago, and is still paying off student loans. Talk about living in hell. 