Yes, but we've decided not to pay it all down immediately because the terms are, at the moment, pretty good.
DH has 20,000 in student loans, interest is 2.3% and the payments are calculated based on 4% of his income. After he turns 65, the remaining debt is written off. (don't think this will happen)
We could pay down this debt tomorrow, but will stay put as long as interest rates are low and we gain more investing the money.
So yes, we have debt, but overall we are in the black.
This could be foolish, I don't know...
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