<prompt> Human: I have 8 student loans having a current balance of about 26.5k which Im supposed to start paying off this month. The interest rates for these student loans are as follows:LoanInterest Rate:--:--152534.6644.2953.8663.8673.7683.76Im going to use the avalanche method, but should I only do this for the loans above the 4 interest rate mark i.e. loans 1-4? Would that be a good cutoff? I wanted some opinions on whether loans 5-8 have low enough interest rates to only make minimum payments so I can invest any excess money into tax-advantaged investment accounts instead?  <response>: people on this subreddit tend to take more risk and disagree with me on this one, but personally unless a loan is extremely low interest 1-2 range I wouldnt invest anything until all the debt is paid off. while indeed likely, nobody can guarantee you a 5 return on that investment. so I say if youre dedicated to doing the avalanche, do it all the way.bonus: being debt free is amazing 