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Paying down your student loans is a sure thing to save you 3.5% per year (and compounding every year for the life of the loan). That is your conservative option.

In good times, equity investments can pay much better returns. 8% is what people use as typical, but during the dot com boom, returns of 30% or more were possible.

Your decision comes down to how certain are you you can earn better than 3.5% now or in the near future. This higher return involves more risk and is not a sure thing.

You will have to decide for yourself what works for you. Most of us would split the difference and do some of both.
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