I dont care if you end up with a tiny $10,000 loan for 7 years with 0% interest after putting 50% down, pay your loans off as fast as possible. House, car, school, business, whatever! Nothing is faster than cash money but I know things come up. Just focus on the pay off and increasing your discretionary income. Want to live well off? It doesnt matter if you make $20,000 or $200,000 a year if you still end up with every penny having a place it needs to go towards.