<prompt> Human: Three things that led to this day. 1 Sacrifice and determination to pay down our loans. 2 Decent paying jobs where we didnt have to eat ramen, but we didnt buy many material things. 3 We formulated our own method. You hear about the avalanche and snowball methods. We used both in a very calculated way. Targeting our highest interest loans with the lowest balances. So if you have 3 loans at 6.8, throw extra money on the 5k loan before the 10k loans to get satisfaction of paying off a loan and saving the most on interest. Thanks for all your support over the years. Its been a tremendous help.Assistant: Well done!!!What would you say to those who would rather keep the student loans around so they can invest in the stock market as opposed to paying them off? Why did you make the decision to pay off?Human: Well first of all it was a no brainier to get a guaranteed 6.8 savings paying off the loans. I wouldnt risk my financial future by betting short on the stock market to get that big of a pay out. We knew the sooner we paid it off the less interest we would pay and the sooner we get our 1000ishmo payment to go into savings.  <response>: I wouldnt risk my financial future by betting short on the stock market to get that big of a pay out.THIS!!! So many people dont understand thats EXACTLY what theyre doing! 