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Dude. Do the math; it isn't difficult. (In fact you don't even have to do math. Just search for loan payment calculator and interest calculator and let them do all the work.) The interest rate on your loan(s) should be fixed. The rate of return on an investment isn't fixed, but a return on a conservative strategy over a long period should be about 6% (even say 5 just to be extra sure). Add that to the immediate return that you get from your employer match, then compare what your opportunity cost is for accelerating repayment of the loan. If it saves you money in the long run it's a good idea; if it costs you money, then it isn't. Simple.