<prompt> Human: English guy living in FL. I have 7,746 remaining on my British University Student Loans. I pay 136mo and the interest is only 1.5. Every year I have to turn in my pay stubs and W2s because they calculate the payment based on ones income.I have 10,571 in an investment account, with around a 5-6 yield.Sending money costs about 10-20 each time, so I need to do it in bigger amounts to my UK bank account, rather than sending it separately for every monthly payment. Then I pay the student loan company from that account in s1 0.72Question is, should I just use the 10k to pay off my loans? Or should I continue with the monthly payments? Or is there another option Im missing?  <response>: I lived overseas in China and faced a similar issue. Once I had enough I just paid it all off. The one thing you dont see mathematically is the peace of mind that comes with having that chapter over with. If youre also an aggressive saver youll be back to 10k in no time. 