Should I pay off my student loans?

For me, as a big picture guy, the key part of the decision would be how big "X" is. If I have a student loan for $1,000 and I'm paying .825 interest, and I've got $2,000 in savings making 3%...I'm probably gonna pay off the student loan, since my net gain in interest is $20 a year. I'd give that up to keep peace of mind.

If I've got $100,000 in student loans, and $200,000 that I'm making 3% on...then my net gain in interst is $2,000 per year.....then it might make sense to keep the loan...Even though if that was the case, I'd probably be making enough that $2,000 a year isn't all that much to worry about anyway.