<prompt> Human: I have about 3200 in student loans that are currently at 5.8. The remainder of my student loans 2300 are at less than 2. I have cash on hand that I can use cover this debt, but Im not sure if that makes more sense than investing the money. I have considered paying off the debts with the higher interest rate, then investing the remainder.Is there a standard interest rate that you recommend for paying off a debt vs investing the cash?And yes, I do have an adequate emergency fund regardless of the decision.  <response>: I tend to want more liquid assets and a better debt to income ratio. Meaning, paying off debt makes me feel better. 