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I mean, that’s the thing though. Undergrad in state tuition plus R&B for NCSU and UTexas (programs I got in state tuition for) is at 9k and 10k per year with 5% interest for undergraduate, and more like 6-8% for MS students.

You can be employed in a high paying sector like tech after going to an in-state engineering school, and still l end up with $2k tacked on in your first year of employment. So then what is more rational: pay off the loan as fast as possible, or build up an emergency fund with a generous 2% ROI.