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<<I have heard of an 8% cut off line for extinguishing debt. These debts fall under it. I have a "relatively" high tolerance for risk, and was wondering if I should pay the minimum possible on all of these, investing the remainder of what I "can" pay.>>

With low interest loans, I can see paying them ahead if you can't be sure what your future cash flow will be like. For example, if you work construction, and are subject to seasonal layoffs, or if you work in manufacturing and have the same problem. In those cases, you may want to clear up as much debt as you can while working.

Actually, it's not just the blue collar workers subject to frequent layoffs anymore. Some of us, like myself, have gone through a layoff once or twice. So, if I had those low interest student loans, I would pay them off at a little above the minimum payments just to get rid of them. I'd invest the rest.

George
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