I did this but the power never went out. I don’t drink bottled water, but my freezer is full of them now now. Do I just defrost them all in a big pot or something?

Uhh Op were you trying to generate a picture of a child fellating Winnie the Pooh?

The absolutely optimal move is probably to keep 5 or so k of debt around just to hedge the forgiveness play. But just paying it all off is also a great investment. You’re not likely to find another way of using your money with a >4% ROI. If the hassle of keeping another set of bills current is going to significantly add stress to your life I would pay it off. Really, though, there’s no way to lose here.