SUBREDDIT: r/personalfinance
TITLE: Pay off student loans?
POST: When I was in high school I thought I'd want lots of money.

 10 years later and I've ended up having a much more modest living and never exceeded the threshold for automatic student loan repayments to kick in.

 I'm not married nor do I have kids, is there really any reason for me to voluntarily repay my student loan?  It does have about 2.25% interest rate.

 i have no desire to live a more lavish life than I do currently and im on less than half the income threshold for mandatory payments which scales with inflation, meaning I will probably never reach it. The only possible repercussions is the debt being deducted from my estate on death but i currently have no dependants or plans for any.

Additionally my savings account gives 3.5% compared to the 2.5% charged on my loan.
TL;DR: 
ignore student loan that I'd never be forced to pay or pay it down incase of future dependants so it doesn't effect estate.