<prompt> Human: Current situation: Large student loans87000 at 7.6567000 at 6.65Salary approx 82kIm looking at my tax rate from state of 6.3 and fed 25 if i were to not invest past my employer match.If taxes didnt largely change i would be retiring in state 3.5 and fed 15.I see this as an immediate 18 ROI and at 4 interest before inflation it would take more than 6 years for the money to even out for the first loan and longer for the second. This considers a 1.5 after inflation growth.Im wondering Am I missing anything math wise?Would investing pre tax at the end of the year hedge at all or should i max out early?I know the thought usually is to pay off debt first but this seems to make sense if Im considering taxes wont be driven significantly up past.  <response>: The only thing you should be so concerned about is how the interest rate of your loans compares to the likely returns youll earn by investing. Both of your loans have a pretty high interest rate. I would throw everything I could at the larger loan and then move on to the remaining one. 