Yes, those rates are quite extraordinary. With rates of 0.14%, it is practically free money. Instead of paying off the loans, you would be better off just keeping money in to invest it. The low rate is giving you the opportunity to invest in something with a better return while still creating a great tradeline to have past 2022. I would first look into a money market account, then a mutual fund or two. Once I had a good size padding there, I would follow that with an IRA, ETFs (maybe). Finally start building a stock portfolio.