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
is this employee stock purchase plan worth it when adding my student loan into the equation?
user
the closer the contribution is to the december 31st date, the more profitable that specific contribution is, only taking into consideration the 5% discount. on your case, the first contribution that beats your student loans interest rate is the august one, where you get about 9% annual return, the remaining contributions go up from there.
assistant