People who say they saved 100K in interest are completely biased in their advice. Paying your loan off early may have saved you money or might cost you money. For you to account for have much you SAVED you need to state what the going rate for savings (opportunity cost) during that same period of time. Then you need to factor in taxes and run your numbers. I’ll make a bet you do this and that 100K savings gets whittled away pretty quick.