From a financial viewpoint, there is no good reason if the loan is a truly ZERO-interest loan. The $$$ in excess of the minimum can be put to better use (for e.g. - put in fixed deposit to earn some interest).
 
However, if you find that having a loan/debt is like a "monkey on the back" - then paying more than minimum to settle the debt earlier will enable some form of relief (it's an intangible benefit that cannot be measured in dollars & cents).

you must be single and no gf.

you know research shows couples regret not hv better pre wed photo and thats once in lifetime.