<prompt> Human: Hi reddit-I am a young professional with an average white collar job and a pile of student loan debt. I have looked through more than one personal finance book and they all seem to say, Pay off your debts first, then invest. Is that good advice?A few more details- I have a traditional pension plan through work that I am involved in. I also own my car straight out, and carry no other types of non student debt. I plan to buy a house in the next 10-24 months and have a small savings for that. My student debt rings in around 30k 7. I do believe that paying down my debt, and growing equity in a home is a sound plan, but I thought it would not hurt to get a second opinion. Thank you!  <response>: Consider paying off your student loan as roughly a 7 return on your investment, with zero risk. If you can find a better investment than that you wont, you should put your money in it. 