Would you invest 30K in stocks right now and take the risk or would you rather use it to pay back a portion of your student loan borrowed at 12% ??

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Pay off that loan. That interest rate is terrible.if you really want to be invested, do 50/50 or 25/75

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Ditto. Pay back the loan

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With the strong possibility of a recession in the near future, you will guarantee 12% gains if you pay off your loans.

Then you can invest into the stock market with every paycheck. This will allow you to dollar cost average which will be much better than a lump investment now when the dip keeps on dipping.

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Buy stocks that pay dividends and use them to pay back the loan.

Debt free is the way to be.

Trust me; climbing a mountain of debt is worse than having $0 on your retirement account. You can always work, but you can’t really “live” when you’ve got a weight tied to you.

Loan for sure. A guaranteed 12% return…
Or why not both?

I would put $20k toward student loads. 12% is an outrageous interest rate. Use $10k toward stocks. But make wise investment as their is likely to be a recession soon.

I agree with every above, I would def go for paying off the loans. It seems like a smarter decision.

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