re: Student loan debt pay or invest?

quote:

---

What would the cutoff interest rate be for paying the loan out over time vs knocking it out early?

---

I'd put the numbers in a spreadsheet. Ordinarily I'd agree that 7% is a pretty damn good after-tax return, especially considering that it's a guaranteed return.

OTOH if you don't have long to pay it all off it might be better to get started on your tax-deferred investment accounts now since you'll be earning interest presumably for your entire working life.

I'd certainly put some into a Roth anyway simply because you have to start building up a stash for a rainy-day fund regardless.