Congrats! I agree with not caring what some of the "financial experts" have to say -- in their eyes no matter what we do we're screwed in terms of paying off our debt, so why worry about it.

Are you paying the loan place directly and then they pay your bills? Just a word of advice -- keep an eye on your balances and be sure that they are being paid. In college a friends mom did this and the company was paying less on her bills than agreed upon and pocketing the extra cash. So just watch them and be sure -- other than that, how exciting that you'll be done in 3 years.