<prompt> Human: Hey all,I have 21,000 in student loans 7000 at each of 4.2, 4.6, and 5. Each month, I should have around 2000 leftover from living expenses, 401k, Roth IRA maxing, and emergency saving. With that money, should I invest in an index fund or quickly pay off my debt or a combination thereof?Thanks!  <response>: Pay off your loans first. It makes no sense that you have enough money to pay off your student loans and youre using the money to save. The quicker you pay off your loans the faster youre able to keep the money. 