<prompt> Human: Im 28, single, have a bachelors. I make about 42k a year. I have no debt except my student loans. I was crazy poor my first three years out of college, and Im really just now starting my career, so they gained a ton of interest after college. In this last year and a half, Ive been paying every spare dollar toward them, and theyre finally back at the principal balances. Loan 1: 7500 at 3.4 Loan 2: 6500 at 6.8 I had a third loan, but it was only 500 dollars and has been paid off. pI want to get the higher interest loan paid off ASAP, and Ive been contributing since my last raise a few months ago about 300 a month toward that goal hundred more here, fifty less here, you get the picture. Meanwhile, Ive been paying just over the minimum on loan 1 about 100. When I get loan 2 paid off in the next couple years, would it still be worth it to pay down the first loan as aggressively? Because Im still relatively young, I cant help but wonder if that extra money that Ive been paying on loan 2 would be better put to use in my 401k. Ill be about 32 when I pay off the higher interest loan at this rate hoping to get it sooner, but life may happen. p In general, if you have a relatively small, low interest loan, is it worth paying more than the minimum if that money could go into retirement fund? I know its a risk either way, but hoping to source some opinions  <response>: Personally I would ONLY pay the minimum on loan 1 3.4 and pay everything and anything extra on loan 2 6.8. If you think about it, every time you pay an extra 100 on loan 1, youre saving 3.4 interest in order to PAY 6.8 interest on loan 2. Doesnt make sense.x200B;Once you get Loan 2 paid off, bc Loan 1 is so low, I would let it be and only make the minimum and put anything extra in a 401k or IRA.x200B;My personal rule of thumb is any loan under 4 just let it sit as I can get better returns to cover the interest and more elsewhere. Between 4-5 I play by ear and see what I think I can get in returns vs. paying it down. Anything over 5 I try to payoff ASAP. I currently only have a sub 2 car loan and 3.75 mortgage, so those are going to sit and dump the rest into investments. 