<prompt> Human: The grace period for my loans just ended, my plan had been to pay the loans off immediately, but would it make more sense to invest and just pay minimum each month?I have 12k in savings and saving about 2k each month10k in student loans, which accrues interest at 5 per yearPart 2:Learning about real estate investing but not sure how much I could do with 10k. Also have in an index fund, thinking it might be worthwhile to keep contributing to that.Tldr: should I pay student loans off immediately, or invest? And what are some investing options that might make sense for my situation  <response>: Pay your debt. Youre not going to safely invest in anything that grows at a higher rate than your loans. Part 2: Learning about real estate investing but not sure how much I could do with 10kNothing. Real estate investing is generally high-risk and capital-intensive. 