My FIL bought my kids EE bonds each year for their birthdays and we have cashed those ones in that have reached the full value but I just looked online and seriously, these things will take FOREVER to reach maturity!! I'm wondering if it's not smarter to cash these ones in even though they are not worth the full amount (but still a little more than he paid for them) and use them to pay off student loans that my kids have. I KNOW the loans have higher interest rates than they would ever earn from these bonds. The value is not huge - about $800 total for the ones we'd cash in but hey, $800 off student loans is $800 off student loans! What do you think?