<prompt> Human: Hi PF!I am currently living in the US and have dual nationality with the UK. My student loans are all fromin the UK.The interest rate on my student loan is approx. 1 and capped at 1.5 - I know this is very very low so likely makes sense to just make the minimum payments and investsave the rest. BUT obviously exchange rate risk is a real thing although brexit helped me.So my question is - does it make sense to pay off my UK student loan ASAP to negate any associated risks, OR continue to make minimum payments and investsave the rest this is what I have been doing for last couple of years.My current strategy is that I am transferring lumps of money everyone couple of months into my UK Bank account - then I use that to make loan payments - logic is: soon the number in UK bank account will equal student loan, ie. student loan paid off technically, but I just keep making minimum payments and money is in the UK so no exchange rate risk and if I REALLY needed it for an emergency I could always transfer back or use it would not be ideal of course. I think my logic is flawed here though because the cash will just be sitting there not doing anything.Another area for some advice - I have been contributing enough into my 401k to get my company match, but nothing more - my logic is I that if I move back to the UK in 3 years or 10 years I dont want a huge lump of cash stuck in the US. I figured index funds through fidelity would provide a similar purpose and allow me a little more flexibilty - thoughts?My specific numbers incase they help or change the advice:Salary: 100,000Current US Bank savings: 16,000UK Bank Savings: GBP: 5590 so approx. 7000Index Funds: 7500401K: 14500Student Loan: GBP: 17600 so approx. 22,000FYI also getting a 25,000 pre tax bonus in a week, hence why I am asking this question actuallyIm in my mid twenties with no plans to buy an apartmenthouse etc tomorrow, so no imminent large blocks of cash needed on the horizon.Dont think I have missed anything...thanks everyone appreciate the advice!!  <response>: I was going to point out that you should take advantage of the low GBP, but at 1.5 max interest thats a tough argument. Keep making minimum payments and invest the shadow account in a nice and safe investment. 