text:  There's a tradeoff. There's always a tradeoff, and you just have to make a value decision. And one way you make decisions is if I had that amount of money in the middle of the table, if I have $24,000 in student loan debt, and I wake up and there's $12,000 laying in the middle of my kitchen table, do I go buy Taylor Swift concerts or put it on my student loan? You put it on your student loan.