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Should I quit investing and instead focus on paying down the 11% loan? I have it down to < $15,000 already, so in
theory I could be rid of it in 4-5 years (rather than 14). Is this a more rational strategy than paying into my monthly
investment?

Does the answer change if we are talking Roth IRA instead of just monthly investment into an taxed indexed fund?


This is more of a personnal choice.

I see nothing wrong with what you are doing. I favor paying off debt but I would not pass up the ROTH investment. I might skip the other investment though. Have you thought about a Christmass job to get some extra money to put toward the loan?
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