I did more research and spoke with a financial advisor: I should stick with the minimum payments and prioritize saving over paying off this debt at least until I start to have to pay taxes over my savings. At that point I can re-evaluate. There are a few things I need to keep in mind.

• Since this is a pre-2015 Dutch government student debt, it is not registered with the BKR. This means it does not affect my credit rating or my ability to get a mortgage, should I want to get one. As a result, paying off this debt faster does not increase my credit rating.
• Monthly terms are what is required to pay off the debt in time, or what I can afford based on my income, whichever amount is lower. If there is any remaining debt after 15 years, it gets wiped. If I make extra payments and lose my job later on, I'd effectively lose my savings.
• When I start accumulating a larger amount of savings, I'll have to start paying tax over my savings. If I cannot deduct my debt from my savings, it may be a good idea to pay off extra at that point. That point is pretty far away, at 50,000 euro, though, so I have time to research this more.
• Should the interest amounts change, it may be a good idea re-evaluate my payments. I heard that in the 90s, it was 10% yearly interest. At those rates, it would make sense paying more.

I did more research and spoke with a financial advisor: I should stick with the minimum payments and prioritize saving over paying off this debt at least until I start to have to pay taxes over my savings. At that point I can re-evaluate. There are a few things I need to keep in mind.

• Since this is a pre-2015 Dutch government student debt, it is not registered with the BKR. This means it does not affect my credit rating or my ability to get a mortgage, should I want to get one. As a result, paying off this debt faster does not increase my credit rating.
• Monthly terms are what is required to pay off the debt in time, or what I can afford based on my income, whichever amount is lower. If there is any remaining debt after 15 years, it gets wiped. If I make extra payments and lose my job later on, I'd effectively lose my savings.
• When I start accumulating a larger amount of savings, I'll have to start paying tax over my savings. If I cannot deduct my debt from my savings, it may be a good idea to pay off extra at that point. That point is pretty far away, at 70,000 euro before it becomes relevant, though, so I have time to research this more.
• Should the interest amounts change, it may be a good idea re-evaluate my payments. I heard that in the 90s, it was 10% yearly interest. At those rates, it would make sense paying more.