<prompt> Human: I am graduating college in the spring and will be making enough to start paying off my student loans. However, I was talking to my mom whos been doing my taxes through high school and college, and she believes I should make minimum payments, since the interest I pay on the loans is tax deductible. I was hoping to get some real-world perspective on this. Does anyone have experience with this? Will it will truly help me save money?  <response>: That makes no sense. Interest is a deduction not a credit. If your marginal tax bracket is 25, for every 100 you pay aka throwing away 100, you pay 25 less in taxes. And even if it was a credit, its not a tax shelter. That makes no sense. Youll save money by paying back your loans as fast as possible. 