Here's a financial question I can't seem to answer for myself. I have about $25,000 in student loans from my undergraduate years. I'm currently in a Ph.D. program (1st year), and so the 25k are deferred until I graduate and I don't pay any interest until then. Oh, I went to the U.S. for my undergrad (so, US$), but now am in Canada. I'm wondering if I should start paying (some of) the loans back now (like, a few hundred a month), with the US$ = CA$ (pretty much), or should I wait until I graduate, save money (and accrue interest, whether in stocks or something less risky like a high interest savings account or deposit), and then pay it off? Note that, however, in 4 years time, the dollar disparity might go back down to .70 US = $1 CA or so, making any savings in the interim negligible. What would you suggest?