<prompt> Human: I also posted this to AskReddit - figured a larger pool couldnt hurt.My ignorance aside assume Im an idiot, I want to know if it is a good idea to pay at least the larger, unsubsidized portion of my loans immediately after deferment now rather then when the first payment is due January 13, 2013.  <response>: Theres no tax benefit for paying money back that you borrowed. The only benefit is you will pay less interest. 