JinCO,
ROI 6% or 8% is not enough to WOW me to not pay off my student loan sooner. For one, how bout if you lose your job? Second, factor in the inflation rate today 4% substract 8% ROI = NET ROI is only 4% (less expense ratio) Versus paying 2.65% student loan next year. Not much there to be excited about. Is it worth it to pay off student loan knowing you no longer have interest cost to carry versus netting 1% or 2% ROI adjusted for inflation. Unless, you can guarantee a 12% ROI we all know that's not how the market works. Again, past performances does not guarantee future returns. Sorry, but I'm for paying off student loans.
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