<prompt> Human: First off, forgive me if my question could easily be answered in the wiki. I read it but wanted to see what the discussion would be like here regarding my question, since there are several perspectives one could consider. Ive come to consider all aspects of life as investments health, finance, education, etc..Suppose this hypothetical scenario: Youve just graduated your college with an undergraduate degree, you have a full time job that pays 50kyear, and you have a grand total of 50,000 of student loan debt at 6.8 interest rate. In addition, you live at home, 100 rent-free. Given 6 months of a grace period where the loans still accrue interest, but you dont have to pay them back until the grace period expires, would you rather invest your earnings for the first 6 months in the market, then withdraw at the beginning of the 6 months and make it a massive down payment on the student loans, or simultaneously invest money in the market while paying the minimum on the loans?My take on this scenario is the student loans are a guaranteed financial loss investment at 6.8 while investing in the market will either go up or down... It would be in the best interest no pun intended to prioritize paying off the student loans over the 16 month period and then dedicate earnings in full to catching up on investing in the market Employer Contributed 401k, IRA, stocks, etc.. Assume living rent-free is guaranteed for 2 years. What are your thoughts?  <response>: You have 6 months before you have to start paying your loans but theyre accruing interest during that time.The best plan would be to pay exclusively to the highest interest loan. During this 6 month period you wont have to make the minimum payment on the rest of the loans so you can devote all resources to the highest interest one 