<prompt> Human: Hello,I have about 10,000 dollars that I want to do something with, which is either put it in an index fund or pay a good chunk off of my fiances student loans. She has about 25,000 so not a huge amount compared to most people we know, but it is at 6.8 interest. I figured that this is as generous of a return albeit conservative as I could expect in the stock market so was thinking that this would be a better investment choice. Furthermore, I would probably use this situation to convince my fiance to start putting a chunk of her income equal to the monthly amount saved from reducing her loans into a retirement account to pay me back if you will. Shes generally less motivated to do this sort of thing on her own than I am. Regardless, she wants to pay off her loans in about 3 years.Lastly, are there any tax issues with giving her 10 grand before being married? Should we wait to do anything until we get married later this year?Thanks and appreciate it!  <response>: I would just put it in a high interest savings account until you are married 