<prompt> Human: We just sold our home, and ended up netting 70k. We put 50k into our new home. My wife has 15k in student loans, for which we are paying 225 month.My plan is to pay off the loan, but Id like to hear if there are any investments options that could be more beneficial. I think its unlikely that a 15k investment would return more than the 225mo Id gain from paying off the loans, but Id like to hear advice from the knowledgeable folks on here.  <response>: Always pay off debt. You are doing what poor people do and think your getting over on the financial world by doing something with your money by investing hoping to get ahead. You get ahead by nit having debt. The money isnt yours if you owe student loan debt. You will sleep better not having student loan debt around your neck for years and also not paying the interest every month 