<prompt> Human: Quick background: Im 30 I own my own business and have no employees I make over 100kyear and this will likely grow significantly over the next few years unless I really fuck up I have about 6 months worth of expenses business personal in savings I have no debt of any kind except aforementioned student loans. All credit cards have always been paid off, on time, in full, every month since I first got one at 22 I have a SEP-IRA with about 35k in it but havent been contributing since I started my business this is another problem for another threadWith that said:I graduated college about 8 years ago with roughly 50-60k in student loan debt I honestly dont even remember at this point and as of now I have about 33k left with the following breakdowns: Loan 1: 6,698.13 2.5 Loan 2: 3,259.30 3.0 Loan 3: 1,896.63 3.25 Loan 4: 5,451.83 3.25 Loan 5: 2,959.47 3.25 Loan 6: 12,158.49 2.125 Loan 7: 1,034.98 2.125The loans are a combination of federalprivate loans consolidated through Sallie Mae. I have always paid whatever they tell me to pay which I assume is a minimum and recently I started thinking I should start paying more to clear out my only debt. However, once I started thinking more about the interest rates I realized that they almost certainly less than the return I could get on the money by simply re-investing it in my business.Am I correct in that it makes absolutely no sense for me to pay more than the minimums on these loans in my current situation?I have the desire to be debt-free, but debt and money management is NOT a problem in my life thanks to my dad so Im fine retaining the debt if it is actually the smarter financial decision.Thanks in advance everyone!  <response>: Lets reverse this logic.Assume you are completely debt free currently. Would you take out a 33,000 loan that you didnt need, at 3 interest, just so you would have the cash sitting there?If not, and you are in a position to be debt free today, why would you choose the debt option? 