<prompt> Human: I have the money to pay it off. I think I can get better returns by investing in SP500 index fund. But I never used leverage before and paying interest even at 3.4 makes me uncomfortable for some reason.  <response>: Thats close to the line for me. I probably wouldnt pay it off especially if you can invest it within an IRA, but certainly wouldnt criticize people that choose to. 