Teaching kids about money is never just about money.
I would not pre-pay. I would invest instead and let the investments cover it.
Just keep taking the next step and keep having excellence in the ordinary.
The decision to go into debt alters the course and condition of your life. You no longer own it. You are owned.
You've got to tell your money what to do or it will leave.
Work is a surefire money-making scheme.