<prompt> Human: Lets say her bill passes and we are able to refinance our loans to under 4 interest. Will that change pfs stance of paying off student loan debt as quickly as possible assuming no other debts? Id assume the consensus would be to treat it more like a mortgage type debt that you dont try to knock down as quickly as possible.Any know how long legislation takes to push through generally?  <response>: At that rate I would prioritize retirement savings in tax advantaged accounts over extra student loan principal payments because its not unreasonable to expect markets to return a rate greater than 4 over the long-term. However, there is still something to be said for paying off the debt. Student loan bills, even at a low rate, can put you in a tougher position when you go to buy a home or even finance a car because of your total monthly debt obligations. 