Without anymore info, I'd have to say that making extra payments on loans with interest rates under 4.5% isn't the best option. Investing in a diversified portfolio would more than likely outperform that and earn you more money in the long run (though there is no guarantee of that).
At the very least, I'd let the 3% loan die a natural death. The 4.12% and 4.49% loans are a little more toward the borderline. If you count your loan prepayments as the fixed-income part of your portfolio and invest aggressively with your 401ks, that could make perfect sense. Depends on your ages, risk tolerance, etc.
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Steve
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