<prompt> Human: I ran into an acquaintance the other night and somehow we got on the topic of student loan debt. She and some other people I know have a substantial amount due to law school, med school, etc. I have just over 23,000 with a legislator-created nonprofit lender, broken down as such:Consolidation at 2.5 - 21,782Stafford at 6.8 - 1,433Unsub Stafford at 6.8 - 85Im lucky that the bulk of what I owe has such low interest. May payment is around 300month, which isnt that much, but it does prevent me to do much in the way of saving for a down payment on a home.The acquaintance urged me to quit paying so much on it - that basically if you paid them something even like 5month, you would not have bad credit, and that since they are unsecured, they could just be paid on forever with no real consequences.I know PF is all about paying off debt and not trying to pull one over on people you owe money to, but thoughts on this? She sounded pretty adamant that student loans dont go on your credit report, but I have yet to check myself. I hate owing money for anything, but I also hate that Ive spent probably 100K on housing since college and have nothing to show for it.I had thought about doing the Public Service Loan Forgiveness Program, but in order to do this, you have to refinanceconsolidate again and do an income-contingent loan. I could never get a clear answer on if this would reset my origination and tack on another 10 years when Ive already been eligible since 2008.  <response>: The acquaintance urged me to quit paying so much on it - that basically if you paid them something even like 5month, you would not have bad creditIf you dont make minimum payments, your credit will suffer. You dont decide what the minimum payment is, the loan does.The real question is whether it is worth paying extra towards the 2.5 APR loan, or just paying minimums and savinginvesting the extra money. At 2.5 interest, I personally would stick to minimums and invest the extra money. However, I would definitely get the 6.8 loans taken care of quickly. 