re: Pay Extra on Student Loan vs Invest?

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On average, you will make more in an S&P 500 index fund and can use those earnings to pay the debt.

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This is mostly where my train of thought is. I worked a big turnaround one time, made a pile of money and took some of it and paid off my truck and my student loan. About $35k combined. Dumb decision on my part, the student loan was 4% and the truck was like 2.75%. When I made this decision I had no idea what an interest rate even was at the time....sadly. I remember paying off the debts in a job trailer on night shift. I remember being greatly underwhelmed by the feeling of "paying a loan off" when I clicked those 2 pay off buttons online.

Unless it will greatly free up your DTI or it is holding you from doing something else growth related with your money I would let it ride.