<prompt> Human: Usually Id go with paying off loans. I have student loans that have 6.55 interest at 11k. The interest-payment per year for this is around 680. I have been paying it off for 3 years already with regular monthly payments.However, a friend of mine said that there is value in having cash on hand. But I feel the interest rate is too high for this and Im burning money.Perhaps investing this money in risky investments is better off? If on average I make 10 or something, thats still a 4 gain on borrowed money in a sense because Id have an extra 11k to invest, rather than putting it down on student loan.What would be the best decision here? Or is the general rule: No just pay it off immediately and stop burning money.  <response>: You should pay off the debt. Stock market returns are uncertain, the interest is not. 