<prompt> Human: Hello everyone,When do you think I should start investing instead of paying off my student loans? Is there a point where I would gain more during investing vs. paying off my loans?Some info about me:Currently am making 1800-2000 month after taxes, and my budgeted expenses is 1000 per month. This leaves me with 800-1000month that I can use to throw at my debt. I am also currently job searching for better paying opportunities in the area. I have had several interviews for full-time or better paying part-time positions. No job offers yet. I am currently working 3 part-time jobs to get that level of income. I am able to live on 1000 per month due to sharingsplitting costs with my boyfriend and minimizing excessive spending.Heres my budget for December: My boyfriend pays for our rent, netflixentertainment subscriptions, laundry costs, and any extra food that he wants to buy, as well as his own expenses, like car insurance, gas, cell phone, etc. My parents are also kind enough to pay for my car insurance.Income: 1800.00Saving: 100.00 Wisdom Teeth Removal in Jan.Expenses:Electric: 77.00 Budget BillingInternet 66.89 Includes taxes modem rentalRecycling: 20.00Gas: 60.00Car Maintenance: 100.00 Need some work done, trying to save up for it.GroceriesHousehold: 250.00 Food Toiletries HouseholdPersonal Spending: 50.00Cell Phone: 36.20 Total WirelessMedical: 25.00Health Insurance: 190.00Dental Insurance: 25.00Expenses: Total 1000.09Leftover: 799.91I have the following student loans that I want to pay off:1800 6.85515 4.665615 3.868080 3.4When should I begin to start investing rather than pay off loans? I am thinking that I want to pay off the first two loans since they are the highest interest rate.Any advice is helpful. Thanks!  <response>: The mantra should be no debtYou are investing with a guaranteed rate of return by paying off your debt. 