<prompt> Human: I am happy to proclaim that I have finally paid off all of my student loans with interest rates greater than 5. I have some no interest loans and some subsidized Stafford loans with interest rates of 3.15, which I will definitely be keeping around to pay the minimum. What I am undecided on, however, is a loan of around 2000 I have at 4.25.I have seen some people here say to pay off everything greater than 5, and some people say 4. I am leaning toward keeping it around to invest in my Roth IRA and 401k instead, since I havent reached the maximums, but I am open to other perspectives.  <response>: Honestly, its just 2000. Id pay it off just to lower your DTI ratio. 