<prompt> Human: Ive noticed a lot of 7?! Thats way too high! comments on loans. My loans are all under 7, and I know a number of people with loans over 15 for cars or school. What is your APR that is so low you think 7 is high?My break down:Car: 6.5Student loan 1: 6.8Student loan 2: 4.4Student loan 3: 2.2  <response>: I have a 2.4 car loan on a 2009 that I got a year ago. I have the money to pay the loan off now, but Ive been investing it instead because the rate is so low.Anything over about 5-6 is considered high because it means that your best use of money, from an investment standpoint, is going to be paying off the loan. Youre never going to find a risk free investment that returns 7, so paying off a loan at 7 is going to be by far the best use of your money. 