How do I plan my CPF education loan repayment?

Best way is the way that can allow you to complete payment the quickest and with less interest.

I have suggested to many of my fiends to first borrow the amount from their parents if it is available and repay them slowly. Usually parents don’t charge interest.

Otherwise, keep saving your NS pay, work to get to officer rank overseas where your pay and allowance is the highest so you can earn more, and overseas may mean you club less, ultimately leads to faster accumulation.