2nd year associate here (going into my third). Will have about 114k in student loan debt at the turn of the year. I have roughly 60k in my investment account, 45k in 401k and an adequate balance in my emergency fund. I also contribute to my HSA and will cross the threshold for investing that in January. During 0% on student loans i have been using every spare dine to pay that down. My question is should that continue or should I tone that back and start investing more? Cont’d in comments...

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Normally, interest rate is 6.3%. I had every intention of refinancing (literally just before Covid), but now im more confused about what the strategy should be. Im fortunate to have a great relationship with my parents and live basically rent free with no pressure to move out. Would obviously like to do so sooner rather than later but also want to make sure I do so with firm financial footing.

There's no rush to leave your parents house. Also, refinance those damn loans, you should be able to get half that rate easily. To your question, pay the minimum on your loans, and a little extract, save/invest as well. I generally am against aggressively paying down debt especially if it's not too expensive. But 6% is high so please refi!

Thanks. Is there no concern about what the new administration is going to do with interest rates or forgiveness of some kind. Seems to be some impediment to rushing to refi.

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