“Never pay off that student loan before it is due.”
If you don’t pay your mortgage, they take away your house.
If you don’t pay your car note, they take away your car.
If you don’t pay your bookie, they break your legs.
If you don’t pay off your student loans, they can’t take away your education.
And student loans have lower interest rates than other loans.
The key is to save enough cash for grad school and then borrow as much as you can at 3% and invest that cash you got from the loan.
Plus, if you die, the government simply discharges the loan. Other creditors will continue to pursue your estate.