<prompt> Human: Is it wise to pay off student loans before more interest accrues? I borrowed about 10K the past three years, but I found a part-time job and am making enough money to cover expense and contribute to savings. The idea of having less debt sounds better than some of the few advantages of having a loan like credit history length. Should I go ahead and make payments now?  <response>: I would suggest paying back little, if any. Its less expensive to pay back now, but doing so you sacrifice mobility. With healthy cash reserves, youre able to move anywhere for a job, youre able to fix your car, and so on. 