 So really I'm wondering if I should just continue that program or if I have the means to do it, just pay off the debt and never have to think about it again. So let me make sure I understand the question. Do I pay off my loans today with money that I have, or do I let the state pay it off and I stay in debt for 10 more years? Yes, that is the question. Well, that's kind of a no-brainer, pay it off today.