<prompt> Human: I have about 13k left in school loans with most of them ranging in interest from 5.3 to 6.5. I work for a startup that doesnt offer a 401k but make a comfortable salary. Ive been trying to knock out loans as fast fast possible and know that the faster I pay them off, Im essentially gaining a ROI equal to the interest rate of the loan. Do I wait until loans are paid off before I start looking at things like Vanguard and even Wealthfront?  <response>: I would pay off the 13k in its entirety first. Thats a very good ROI for a 100 risk-free investment. 