as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
should i pay off my student loan debts first or invest in an index fund?
user
pay off the debt first.  life circumstances change without notice, and starting any stage of life with a debt puts you at a disadvantage.  luckily, your debt is small.  please also consider accumulating a 6 month emergency fund before making investments. this will further protect you when life hands you a curveball.
assistant