<prompt> Human: He has 7300 owed in student loans at 6.5 interest. At current minimum payments he will have this paid off in 5 years. Additionally, he has a retirement fund at 7 that he is interested in throwing an additional 80 per month into. However, he is wondering if he should just add the 80 per month to the student loan instead.His intuition is to throw it into the retirement fund because the interest rate is higher and he would therefore net a higher value. However, for a significant portion of time, there will be more money accruing interest in the student loan than there would be in the retirement account, so this complicates the solution. We ran numbers through interest and savings calculators on the internet, but it seems to be an optimization problem that would benefit from a Differential Equations treatment or some linear regression technique. Neither of us, unfortunately are mathematicians, but we are curious about how to go about deciding how best to allocate the funds to maximize gains while inversely, simultaneously minimizing losses.Even further complications arose when we considered that the value of the retirement money would be depreciated by inflation when he is finally old enough to spend it.So in the end:1. What is the best way to allocate the money to maximize his prosperity?2. What kind of math do you use to solve this problem? If you could point to any good software, we are both programmers if that is relevant.Thanks.  <response>: Pay off the student loan. Its a guaranteed return. Investments are not. 