<prompt> Human: I have an uncle that will pay me 6Kmo the next 12 months and I have 72K in loans at 6.8. If I understand things correctly, investing this money instead of paying off the 6.8 loans would only make sense if I can get a rate of return in 1 year higher than 6.8. As a beginner in investing I originally thought this was impossible without way too much risk and hence it is a no-brainer to put all the money towards the debt, but I just wanted to run it by you guys first. Would I be throwing money away to just pay off the loans all year long?Also, a friend of mine with student loans told me that paying off loan interest is tax deductible, which Im guessing Id need to account for in any student loan payoff vs. investing scenario. Can anyone help me how to do this?  <response>: Dude pay it off.. after taxes and whatever may happen, u will be better off just paying off the loan. Im sure ur uncle whose just confidently paying you the amount of the loans would be too thrilled to see u gambling it away 