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No1Bottlewasher

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Should I pay off my loans before I retire?

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Yes

If you want to have the most comfortable retirement, yes.  Regardless of what your income is (unless it is REALLY high), your lifestyle and peace of mind would be far higher by going into retirement without any debt.  Potential healthcare costs are bad enough, but to have any other debt coming out of whatever income you have coming in will only put a strain on your finances.

If you have no debt and an unexpected expense comes up - car or home repair, need a new appliance - that too would be far easier to manage financially without any addiitonal debt to worry about.

Also by paying off your debt, you are less likely to have to work in retirement for income to cover your expenses (as opposed to working because you are bored).

And as jwsister copy-and-pasted, look on this site for addiitonal insight into helping with this info.  Or go to an external source, such as Khan Academy which has excellent free resources too (and I am not affiliated with KA either).

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I suggest reading the articles on this site then find out how much you will be receiving in retirement income.  You do want to be able to live comfortably within that income.  

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