Should I pay off my student loans?
It's a credit union. It's a 3.25% checking account. Sorry.
So, you've got twice the amount of money is an interest bearing checking account than owed on a student loan.
You're not going to find many loans that are as flexible as student loans. The interest rate is below 1% as it is, so it doesn't really make sense to make additional payments. On top of that, you can get a forbearance on your payments if you run into trouble in the future.
My advice would be to continue to pay the minimum amount on the student loans and use the excess money for other investments, such as 6 months stash of cash in the event of an emergency, saving for down payment on a house, investing in a Roth IRA for retirement, etc. You could also leave your money in the checking account to get a 3% return.
I don't see why you would want to pay down the student loan any faster than is required.