 drive this point home by keeping the student loan out there and just keeping it like it's a pet and then putting all that money in the stock market you know you've doubled your risk you're not removed any risk you're not playing the smart you've actually doubled your risk because you could lose that money as george said some money any money to me is so ridiculously risky and you still have the student loan hanging on to you dragging it around for years and years and years so i would just really implore you