Over on Reddit, someone recently asked for help deciding whether or not to pay off student loans early. Should they get rid of the relatively low interest rate loans or keep paying the minimums and stay on an aggressive path to saving for the down payment on a house?

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Respondents largely urged the poster to put the money into savings or investments, where they are likely to earn a return greater than the cost of interest on the student loans. The student loan interest rates in question ranged from 3% to 4.5%, while interest rates for a 30-year mortgage currently hover just above 6%.

Meanwhile, the average annual stock market return is around 10% (not accounting for inflation), as measured by the S&P 500 index.

Still, respondents also acknowledged that the decision is la

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