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After I condolidate my loans my interest rate will be 2.3%...

Is that before or after taxes? Because student loan interest, for many people, is tax deductible--so it's even LOWER than that. I would never, ever, ever dream of putting more than the minimum toward that debt, regardless of how big it is.

If you won the lottery tomorrow, I would tell you to max our your Roth (which you have--good on you!), max out your 401(k), make sure you had an E-fund in a boring old money market*, MAYBE look at getting a permanent insurance policy as an investment vehicle and open a plain old taxable brokerage account in an index fund. Even if you won $100mln, I still would say don't pay down that measly debt. You can do much better practically anywhere else.

(*Money market rates are 1% right now, but you don't put the money there as an investment--you put it there because it's your E-fund; apples & oranges)
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