While I like that you share your plans for your SBD I just want you to remember that they are yours, a wonderful gift from the community and that you don't have to justify or feel bad about changing your plans for them. Frankly, paying down/off student loans is one of the most liberating things you can do financially and I think most people here are all about freedom.

So happy to have you back and best of luck with those 'passive' income endeavours.