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Financial
Pay off student loans aggressively vs. invest the money instead
Mid-term — 6 months to 2 years
Context
I have $28k in student loans at 6.5% interest and $800/month of breathing room in my budget. I could put that toward the loans and be debt-free in under 3 years, or I could invest it and let compounding do work over time. I can't do both at full pace.
Goal
Work out which move actually puts me in a better financial position over 10 years — not just which one feels better right now.
Analysis dimensions — pre-configured
Reversibility55
Upside Potential50
Downside Severity35
Downside Likelihood25
Dependency Risk20
Long-Term Alignment60
Sky bars indicate dimensions working in the decision's favor. Gray bars highlight areas of elevated risk or cost.
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