Debt 5 hours ago
Should I pay off my student loans or invest in stocks?
I recently started my first job and have some extra money each month. I'm trying to decide whether to put it toward my student loans (4.5% interest) or start investing in the stock market. What's the smarter move?
by CollegeGrad2025
Replies (1)
InvestWisely 4 hours ago
This is a common dilemma! Consider these factors: 1. Your loan interest rate (4.5%) is moderate 2. Stock market historically returns ~7-10% annually 3. Loan payments are guaranteed savings 4. Investment returns aren't guaranteed A balanced approach might work best - put some extra money toward loans and some toward investing to start building both habits.