<prompt> Human: Hello! Ive been thinking and reading about this for a while and Im not quite sure what to do. Here is the situation:I am Canadian. I just graduated university and am making 105 k a year. I have 70 K in a savings account, and 20k in student loans 2 interest, which I have to start paying on in August. I have 31k of room in a TFSA to put money into.I have 2 options:1. Pay off all the loans Sept 30th, having paid no interest.2. Make minimum payments to the loans, trying to invest the money to make 2. I know I get a tax deduction for interest paid on loans, so its not the worst idea ever.Because I have so much cash doing nothing 1.1 interest in a savings account, I think ill just cap out the TFSA with an ETF, and pay off the student loans before I start paying on them. I want to Be done with them and the loan office here are very hard to deal with.I am afraid I am being irrational and maybe missing out on some passive savings by investing the 20K instead of paying off loans? Thank you for listening!  <response>: Money today is worth more than money tomorrow. I think being debt-free and then having a savingsinvestment strategy is the better path to take, after all we never know whenif life changes your financial situation and the payments potentially become unaffordable given the circumstance. 