<prompt> Human: On the one hand there is the psychological effect of the debt that weighs on your shoulders. On the other hand it completely makes financial sense to not pay off the loan and invest all that money in the SP and hopefully watch it grow over the next 20 years and then pay it off for some little profit. Interest is near 0 because its a government loan studiefinanciering of the Dutch government. What do you guys think?  <response>: Unless the Euro starts having an extremely lownegative inflation rate, the later you pay it off, the less you effectively owe. So dont pay more than minimum, and do whatever best suits your risk tolerance with the rest. 