OSAP repayment question

All my OSAP is federal so 0 interest rate. Mathematically the best option is to do minimum payments and invest my savings. But my friend mentioned that mortgage lenders don’t only look if you have any missed payments but also how fast you relayed the loan so in that case paying more than the minimum makes sense. I’m 23 and single…don’t see myself buying a home for a while. Anyone have experience with this? Thanks