I tend to think about all options in their wost case scenario (if everything goes wrong), and then check which of the options at their worst I would regret more, and go for the one with least regret.

Use to pay any other debt with higher interest rates than said loan. After that, if this still has high rates, pay back as much as possible. If the rate is good enough, use it to buy a house to live in.

They fixed it! I had the same issue (and some others for multiple or non-us keyboard layouts) but they have fixed many of them