<prompt> Human: Im expecting to graduate with a student loan debt of around 40,000 usd. The interest rate is only 0.35 though. The interest varies from year to year but not hugely. Am I right in thinking that this debt should be at the absolute bottom of my priority list? I should never pay into it more than I have to, right? Im European btw hence the crazy low interest rate.Edit: Thanks for the replies. I wont pay into it any more than the minimum amount. The interest does vary but not by much at all. The highest I can remember it being is 0.7. Id like to clarify that its not a loan you get from a bank but from a government agency. Its not for profit at all but intended to allow everybody to get an education and pay their way in society without having crippling debt. Yay Sweden. They even waive the remainder of the debt after 25 years if your economy is so poor that you cant pay it off fully after that amount of time.  <response>: I would pay the minimum until the rate changed. Given that the rate changes, I would set aside money to pay off the loan. I would make 2.37 on something like VBTLX with all the money that would eventually pay off the loan and use the accumulated VBTLX assets to pay off the loan once the after tax effective yield dropped below the interest rate. 