<prompt> Human: Hi, I am 43 years old, single and I have about 28K in student loans with 2.625 fixed interest. My monthly minimum payment is 250; but I pay 600 a month. I also have 28K in a personal investment accout, about 75 of which is in an SP 500 mutual fund with the rest in 2 ETFs and 1 Equity. Also, I live in NYC which has high taxes.I have been thinking lately that instead of paying that 350 extra a month on my student loans, maybe I should put it in an SP 500 instead. If I continue paying 600 a month, I will pay off my student loans in 4 years. At 250 it will take me 10 years.I could invest that money for 4 years and then pay off my student loans or I could just wait the 10 years of payments out. I am not so hot on that last option, because I dont want to be paying my student loans into my 50s.  <response>: Loans. Always loans. Once thats done you can save an emergency savings, invest etc 