<prompt> Human: I have about 12000 in student loan debt that I can pay off. The loans arent consolidated I know...I suck. About half of it is 6.8 and the other half is 2.39. I want to do the smartest thing with my money. Here are the options I am considering.1. I pay off all the debt.2. I pay off the 6000 that is at 6.8 and invest the rest.3. I continue with normal monthly payments and invest all the money.I am leaning toward option 2, but I dont really know whats best.Edit: I also have a mortgage on a house I will be selling soon. And a 0 car loan.  <response>: pay off debt. always. the chances you make 2.8 return on investment is not 100. The chance you lose 2.8 in interest is 100. Pay off the debt. 