<prompt> Human: Good Morning all, My current situation: 22 years old, living in charlotte, working for a financial advisor, have very cheap rent, living with my sister 400month. This past year after college I have been working and saving at least half of my earned income. I have around 17k in personal savings and have knocked my loan down from 28K to 20K. I am about to make another massive repayment of about 10K to the loan but I am getting cold feet, and wondering if it may be better to maybe invest some of the money into the market or continue saving.Thoughts? I am most likely going to just dump it into the loan at the moment, Ive just never had this much cash before in my life...Edit 1: So I have 4 groups of loan A,B,C,D Group A: Outstanding Balance 4.4KGroup A Interest Rate 6.8Group B: Outstanding Balance 5.2KGroup B Interest Rate 3.8Group C: Outstanding Balance 5.1KGroup C Interest Rate 4.6Group D: Outstanding Balance 5.6KGroup D Interest Rate 4.2Edit 2: Thanks for the great advice everyone! It seems the consensus is to establish an emergency fund, pay Group A and C off as quickly as possible, and then focus on Group C and D. Then once its all paid start putting money into the market... Im thinking 100 vested in Blockbuster. should be a guaranteed 7 return. kidding?Thanks again!  <response>: Pay off that debt, son! 32 year old you will thank you for it. 