The mortgage loan is (in theory) for an asset that is appreciating in value. Plus it's tax deductible. If not today for you, down the road it may be. Car loans, student loans, et.c should all be paid off as quickly as possible. For the record, student loan interest is tax deductible as well (to a limit). And depending on when people were lucky enough to take out or consolidate their loan, you might not want to pay them off early. I got my consolidation locked in before the major student loan reform of about 5 years ago which caused majorly higher rates, and mine is locked in at 2.875%. I'd be practically nuts to pay that off early....