<prompt> Human: Probably get this question all the time...I am fortunate to have low living expenses and have been able to save an additional 10kyear after my retirement contributions. I have steadily been paying my student loans for the last 12 years. I still have about 18k left in debt my only debt. Fortunately, the interest rate is also very low, around 3 I think have to check. After a couple years stashing money in CD and high yield savings Im having thoughts about what would be the best move? Pay off my debt early or continue to save with short-term low-risk investments to save to buy a house eventually? Im mid 30s, no family, not set on buying yet. EDIT: fixed spelling and punctuation.  <response>: Pay off the debt. Any investments you make will be reduced by your interest rate. 