Deciding whether to repay an education loan is a significant decision that depends on several factors. Financially, it makes sense as it helps to build a good credit history and avoid additional interest or penalties. However, repaying a loan can also be challenging if you're struggling with other financial commitments. The best approach is to assess your financial ability and consider options like loan forgiveness, income-based repayments, or refinancing. Remember, the decision ultimately rests on your shoulders and it's important to make an informed, sustainable choice.