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Your interest rate is relevant
Agreed. Loan interest rate vs savings/investment rate to determine which is better
If your focus is maximizing ROI (assuming your loan APR is <5%), pay the monthly minimum and invest the rest in index funds.
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As mentioned, how much a month is going to interest? I’m concerned you’re saving a little too much. 2 years seems like a long time to keep that loan around while you’re allocating your money every which way.
You should be well off with a 6 month emergency fund of your monthly living expenses. I’d pause on the 401K and pay your loan and any other debts off. Until that loan is paid off a part of your check belongs to the loan company. The faster you pay it off, the sooner you have your own money.