<prompt> Human: Hello PF,Ive been chipping away at my student loans via avalanche method for the past year and a half and have a question about interest.Heres my loans:Type Loan Amount Balance Interest Rate------------Sub Stafford 2,667 2,290 4.25Unsub Stafford 2,000 PAID OFF 6.65Unsub Stafford 6,500 PAID OFF 6.65Unsub Stafford 4,200 PAID OFF 6.65Unsub Stafford 7,500 6,610 3.61Unsub Stafford 3,750 2,205 4.41All are serviced by the same provider and the combined monthly minimum is around 261. I currently pay around 700 per month and live pretty comfortably. With the higher interest loans gone as of a month ago whew, would it now be advantageous to reduce to the monthly minimum and invest the balance in RothTraditional IRA.Other relevant info:Salary 66K, plus variable annual bonus; moderate COL areaSplit living expenses with SOCompany matches 1-1 to 6 in 401k - currently contributing 6Company has a pension, for which I am currently 20 vested, will be 100 vested at five years. Company seems promised to keep pension.  <response>: There is something to be said about not having debt as well. While 4 is probably the general figure, not having debt means that you have extra money in your pocket every month. Which you can then invest a lot more than just a minimal amount.Paying off a loan early is guaranteed money in your pocket, while investing it is incredibly likely, but not guaranteed to earn more than 4. 