First pay off student loans or invest?

I have 150,000 in low interest student loans (4%). I don’t have any other debt. I have nothing saved for retirement. Just finished school and am now earning 130K which becomes 86K after taxes. My cost of living is low -I spend a total of 3000 in living expenses a month (includes mortgage).
How much should I pay towards my loan versus saving it? I think I can invest the money and earn more interest, but I feel funny about not paying off debt.
I’m single in my early thirties, so one day I’ll have kids (hopefully) and will need to start saving for their college too!

As others have said, don’t be in a rush to pay off your student loan.

Save your money and invest it. Remember if you pay off most of your student loans and you lose your job, you can’t call up the student loan company and ask for money to cover your mortgage or living expense.

However, if you saved your money and you lose your job, the money is there ready for you to be used. The student loans can be deferred until you start working again.

Good luck,

El