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Should I Pay Off My Student Loans or Invest in Stocks?

Before deciding whether to pay off your student loans or invest, it’s important to first create a budget and build an emergency fund.

Nick Dauk Nick Dauk Edited by Jared Hughes Updated May 9, 2023

Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as "Credible."

When you have discretionary money, you can use these funds to further your financial goals. You can pay off your outstanding student loan debt or invest in the stock market, an IRA, or another fund.

Deciding to pay off your student loans or invest depends on what your financial priorities are. Paying off your loans early will likely save you on interest expenses, though eliminating your loans doesn’t mean you’ll increase your future savings. Investing can potentially position you for a more secure future, but it may be risky and you’ll still have loan debt.

  • Prioritize your financial goals first
  • Factors to consider
  • Why you should pay off your student loans
  • Invest in your future
  • Tips for investing with student loans

Prioritizing your financial goals

No matter if you have a small amount of loans or an outstanding balance over $10,000, you can use your money to accomplish other financial priorities before paying off your loans or investing, such as:

  • Building an emergency fund
  • Paying off other debts with higher interest rates
  • Using the funds to make necessary repairs or renovations on your property
  • Considering any elective or nonemergency medical procedures
  • Furthering your education without taking out more loans
  • Building your business
Tip: Keep in mind that you don’t have to commit to a single decision. For instance, if you have $5,000 available, you can choose to put $2,500 in an IRA and $2,500 toward your student loans. Alternatively, you can choose to put $2,500 toward credit card bills and $2,500 toward an emergency fund.

Pay off student loans or invest: Factors to consider

As you’re weighing your options, here’s what you should take into account:

Compare the interest you spend with the interest you could earn

A common strategy for deciding between student loan payoff and investing is comparing the interest rates: Your student loan interest rate determines the cost of your debt, while the interest rate on investments impacts how much you might earn.

One way to potentially lower your student loan interest rate is through refinancing your loans. This could save you money on interest charges and even help you pay off your student loans early. In this case, getting out from under your loans before investing might be a good idea.

Tip: You could also consider paying more than the minimum payment on your student loan each month. The extra money will go toward your loan principal, which can help you speed up your payoff time.

If you decide to refinance your student loans, be sure to consider as many lenders as possible to find the right loan for you. Credible makes this easy — you can compare your prequalified rates from our partner lenders in the table below in two minutes.

LenderFixed rates from (APR)Variable rates from (APR)Loan terms (years)

brazos student loan refinance

Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
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4.4%+ 4.99%+ 5, 7, 10, 15, 20
  • Fixed APR: 4.4%+
  • Variable APR: 4.99%+
  • Min. credit score: 720
  • Loan amount: $10,000 to $400,000
  • Loan terms (years): 5, 7, 10, 15, 20
  • Repayment options: Military deferment, forbearance
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must have a credit score of at least 720, a minimum income of $60,000, and must be a resident of Texas
  • Customer service: Email, phone
  • Soft credit check: 720
  • Cosigner release: No
  • Loan servicer: Firstmark Services
  • Max. Undergraduate Loan Balance: $100,000 - $149,000
  • Max. Graduate Loan Balance: $200,000 - $400,000
  • Offers Parent PLUS Refinancing: Does not disclose


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.39%+1 6.66%+1 5, 7, 10, 15, 20
  • Fixed APR: 5.39%+1
  • Variable APR: 6.66%+1
  • Min. credit score: Does not disclose
  • Loan amount: $10,000 to $750,000
  • Loan terms (years): 5, 7, 10, 15, 20
  • Repayment options: Immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay, loyalty
  • Eligibility: Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 24 to 36 months
  • Loan servicer: Firstmark Services
  • Max. Undergraduate Loan Balance: $100,000 to $149,000
  • Max. Graduate Loan Balance: Less than $150,000
  • Offers Parent PLUS Refinancing: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.99%+2 5.99%+2 5, 7, 10, 12, 15
  • Fixed APR: 5.99%+2
  • Variable APR: 5.99%+2
  • Min. credit score: Does not disclose
  • Loan amount: $5,000 to $300,000
  • Loan terms (years): 5, 7, 10, 12, 15
  • Repayment options: Military deferment, forbearance, loans discharged upon death or disability
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: All states except for ME
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: After 24 to 36 months
  • Loan servicer: College Ave Servicing LLC
  • Max. Undergraduate Loan Balance: $100,000 to $149,000
  • Max. Graduate Loan Balance: Less than $300,000
  • Offers Parent PLUS Refinancing: Yes

edvestinu student loan refinance

Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
7.16%+5 7.71%+5 5, 10, 15, 20
  • Fixed APR: 7.16%+5
  • Variable APR: 7.71%+5
  • Min. credit score: 700
  • Loan amount: $7,500 to $200,000
  • Loan terms (years): 5, 10, 15, 20
  • Repayment options: Immediate repayment, academic deferment, forbearance, loans discharged upon death or disability
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Must be a U.S. citizen or permanent resident and submit two personal references
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 36 months
  • Loan servicer: Granite State Management & Resources (GSM&R)
  • Max. Undergraduate Loan Balance: $150,000 to $249,000
  • Max. Graduate Loan Balance: $150,000 to $199,000
  • Offers Parent PLUS Refinancing : Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.08%+3 5.03%+3 5, 7, 10, 15, 20
  • Fixed APR: 5.08%+3
  • Variable APR: 5.03%+3
  • Min. credit score: 680
  • Loan amount: $10,000 to $250,000
  • Loan terms (years): 5, 7, 10, 15, 20
  • Repayment options: Forbearance
  • Fees: None
  • Discounts: None
  • Eligibility: Must be a U.S. citizen or permanent resident, have at least $15,000 in student loan debt, and have a bachelor’s degree or higher from an approved school
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: No
  • Loan servicer: Mohela
  • Max. Undergraduate Loan Balance: $250,000
  • Max. Graduate Loan Balance: $250,000
  • Offers Parent PLUS Refinancing: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.61%+4 7.6%+4 5, 10, 15, 20
  • Fixed APR: 5.61%+4
  • Variable APR: 7.6%+4
  • Min. credit score: 670
  • Loan amount: $5,000 to $250,000
  • Loan terms (years): 5, 10, 15, 20
  • Repayment options: Academic deferment, military deferment, forbearance
  • Fees: Late fee, returned payment fee
  • Discounts: Autopay
  • Eligibility: Must be U.S. citizen or permanent resident
  • Customer service: Email, phone, chat
  • Soft credit check: Yes
  • Cosigner release: Yes
  • Max undergraduate loan balance: $250,000
  • Max graduate loan balance: $250,000
  • Offers Parent PLUS refinancing: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
4.49%+ 5.02%+ 5, 7, 10, 15
  • Fixed APR: 4.49%+
  • Variable APR: 5.02%+
  • Min. credit score: 700
  • Loan amount: $5,000 to $300,000
  • Loan terms (years): 5, 7, 10, 15
  • Max. undergraduate Loan Balance: $125,000
  • Time to Fund: 10 to 30 days
  • Repayment options: Immediate repayment, forbearance
  • Fees: Late fee
  • Discounts: Autopay
  • Eligibility: Must be a U.S. citizen or permanent resident and have already graduated with at least an associate degree from an eligible institution
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: After 12 months
  • Loan servicer: LendKey Technologies Inc.
  • Max. graduate Loan Balance: $175,000
  • Credible Review: LendKey Student Loans review
  • Offers Parent PLUS Refinancing: No


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.5%+ N/A7, 10, 15
  • Fixed APR: 5.5%+
  • Variable APR: N/A
  • Min. credit score: 670
  • Loan amount: $10,000 up to the total amount
  • Loan terms (years): 7, 10, 15
  • Repayment options: Military deferment, loans discharged upon death or disability
  • Fees: None
  • Discounts: None
  • Eligibility: Must be a U.S. citizen or permanent resident and have at least $10,000 in student loans
  • Customer service: Email, phone
  • Soft credit check: Yes
  • Cosigner release: No
  • Loan servicer: AES
  • Max. Undergraduate Loan Balance: No maximum
  • Max. Gradaute Loan Balance: No maximum
  • Offers Parent PLUS Refinancing: Yes


Credible Rating
Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. Read our full methodology.
View details
5.79%+ N/A5, 10, 15
  • Fixed APR: 5.79%+
  • Variable APR: N/A
  • Min. credit score: 680
  • Loan amount: $7,500 to $250,000
  • Loan terms (years): 5, 10, 15
  • Repayment options: Academic deferment, military deferment, forbearance, loans discharged upon death or disability
  • Fees: None
  • Discounts: Autopay
  • Eligibility: Available in all 50 states; must also have at least $7,500 in student loans and a minimum income of $40,000
  • Customer service: Email, phone
  • Soft credit check: Does not disclose
  • Cosigner release: No
  • Loan servicer: Rhode Island Student Loan Authority
  • Max. Undergraduate Loan Balance: $150,000 - $249,000
  • Max. Graduate Loan Balance: $200,000 - $249,000
  • Offers Parent PLUS Refinancing: Yes
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Consider the tax deductions for student loan interest

Depending on your tax situation, you might qualify for a student loan interest deduction that could help you decide how to prioritize your financial goals.

The IRS lets student loan borrowers deduct up to $2,500 in interest paid per year for taxpayers with a modified adjusted gross income (MAGI) of $70,000 or less — or a MAGI of $145,000 or less for borrowers who file jointly.

Keep in mind: The student loan interest deduction is reduced if you make more than these amounts, and it’s phased out for single taxpayers who make more than $85,000 and joint taxpayers who make more than $175,000.

This interest deduction can help reduce your taxable income, leaving you with a smaller tax burden — and possibly more money to put toward your student loans, cutting down your repayment time.

Paying off student loans

It’s a good idea to consider paying off your debts as a top financial goal. Some federal student loans can take up to 30 years to pay off, and you’ll likely pay a significant amount in interest if you’re only making the minimum monthly payment. Once you pay your student loans off, you can use that monthly payment for other goals, such as investing.

For example: Let’s say you have $30,000 in student loans with a 5% interest rate and 30-year term. Over the lifetime of the loan, you’ll spend $30,000 on the principal balance and another $27,977 in interest over the 30-year period.

However, if you were to raise your monthly payment from $161 to $237, you would pay off your loans in 15 years and only spend $12,720 in total interest. Overall, you’d save $15,257 in unnecessary interest expenses that you can then invest or allocate to other financial goals.

Know your federal student loan benefits

Federal student loans offer valuable protections, such as access to a variety of repayment options as well as student loan forgiveness programs. These benefits could help you decide whether aggressive student loan repayment is the right move.

Paying off your loans isn’t the right option for all borrowers. While it’s important to make payments, you should realize that some borrowers qualify for federal loan forgiveness after making consistent minimum payments for a set number of years.

For instance, the Public Service Loan Forgiveness Program forgives the remaining balance on Direct Loans after 120 qualifying monthly payments are made while the borrower works full-time for a qualified employer. Using the same example above, after 10 years your loans would be forgiven, and you’d only have paid $9,325 in interest.

Additionally, the Biden-Harris administration announced a one-time student loan forgiveness plan that forgives up to $20,000 in student loan debt. The plan is currently blocked, however, and is awaiting a decision from the Supreme Court on whether it can move forward.

Refinance your loans

Instead of refinancing your federal student loans, it may be best to consider consolidating them into a Direct Consolidation Loan, which can extend your repayment term up to 30 years and consolidate your loans into one monthly payment. Refinancing your federal loans will cost you your federal protections, so be sure to weigh your options carefully.

If you decide to refinance your private student loans, remember to consider as many lenders as you can to find the right loan for your needs. This is easy with Credible — you can compare your prequalified rates from multiple lenders in two minutes.

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Check Out: The Complete List of Student Loan Forgiveness Programs

Pay off federal or private student loans?

Depending on what type of loans you have, you’ll need to consider the benefits and drawbacks of paying them off early. Federal student loans tend to have more options available that help qualifying borrowers pay off their student loans sooner.

Eligibility requirements vary and are typically reserved for borrowers undergoing significant hardship or those who are employed in specific career sectors such as nonprofits or government jobs.

Good to know: You may be able to pay off your student loans sooner through an income-driven repayment (IDR) plan. Certain plans reduce your minimum monthly payment to 10 percent of your discretionary income. Federal student loans also tend to have lower interest rates compared to private loans, so you will accrue less interest.

Private student loans aren’t eligible for federal forgiveness or IDR plans, but there are still ways you can lower your payments. These loans can be refinanced and you may be able to secure a lower monthly payment, a lower interest rate, or better terms that can help you pay as little overall interest as possible.

This reduction in monthly payments can allow you to invest or save while you’re actively paying off your student loans. Whatever strategy you choose, make sure it’s one that you can comfortably afford while making progress on your financial goals.

Invest in your future

It’s never too early to invest in your future, and if you do so responsibly, there’s a higher likelihood of accumulating exponentially more than you invested.

For example: If you invested $5,000 plus an additional $100 per month in an investment fund with a 5% interest rate and annual interest compound frequency, you’d have more than $101,000 in 30 years.

Although this involves a significant initial investment and consistent monthly payments that could be put toward your student loans, this example shows that your savings in 30 years significantly exceed the expenses of repaying a $30,000 loan over the same time span, at the same interest rate.

Of course, investing can wait until you’ve finished paying off your other financial obligations. The goal of investing is to allow funds to grow over a long period of time.

Unfortunately, if you were to make withdrawals from your investment accounts, you’d have to pay tax on the gains. This could cost you even more money if you had to withdraw these funds to help pay for your loans in the future.

Tips for investing with student loans

Deciding if and how to invest while repaying your student loans can feel overwhelming. Thankfully, there are multiple options that you can try. You can also change your strategy late if you decide to allocate more funds toward your investments or student loans.

Here are a few tips that could make it easier to invest while having student loans:

1. Decide how much you can invest

By creating a solid budget, you can figure out exactly how much you can afford to set aside for investments.

  1. Start by comparing your income and expenses. To have a balanced budget, you need to spend less than you bring in.
  2. Add up both your fixed and discretionary expenses. For example, fixed expenses would include rent and car insurance, while discretionary expenses would include entertainment and travel.
  3. Subtract your expenses from your income. This amount is how much you can afford to invest. Finding ways to lower your discretionary spending — such as eating at home and cutting down on entertainment — can help increase the money left over to invest.
Tip: Don’t invest more than you can afford. Figure out what works in your budget, and make it a line item so you can remember each month.

Read More: Beginner’s Guide to Investing in 4 Steps

2. Lower your rates

Depending on your credit, you might be able to lower your interest rates by refinancing your student loans. The money you save on interest this way can then be put toward your investments.

If you’re wondering how much you can save by refinancing your student loans, use our calculator below.

Step 1. Enter your loan balance

? Enter the remaining amount of the loans you’d like to refinance $

Step 2. Enter current loan information

? Enter the average annual interest rate of the loans you’d like to refinance %
? Enter the monthly amount you currently pay on your loans (or enter remaining term) $
? Enter the amount of time left to repay your loan (or enter monthly payment) years

Step 3. Enter your new loan information to start calculating your savings

? Enter an estimated new interest rate. %
? Enter the monthly amount to pay on your new loan (or enter new loan term) $
? Enter the amount of time you have to repay your loan (or enter monthly payment) years
Lifetime Savings Increased Lifetime Cost $
New Monthly Payment $
Monthly Savings Increased Monthly Cost $

If you refinance your student loan at % interest rate, you can save will pay an additional $ monthly and pay off your loan by . The total cost of the new loan will be $.


Does refinancing make sense for you?
Compare offers from top refinancing lenders to determine your actual savings.

Check Personalized Rates

Checking rates won’t affect your credit score.

3. Max out your 401(k) employer match

A 401(k) is a retirement plan sponsored by an employer that offers tax-deferred investing that grows until retirement. In many cases, opening a 401(k) account is the best way to start investing.

This is because a 401(k):

  • Reduces your tax burden
  • Helps you prepare financially for retirement
  • Is eligible for company matches from many employers

If your employer offers 401(k) matching, it’s a good idea to contribute enough to receive the full matching contribution so you can save as much as possible for retirement.

4. Open an IRA

Another investment option is opening an individual retirement account (IRA). Like a 401(k), an IRA helps you save money on taxes while making contributions toward your retirement.

There are several types of IRA accounts, the most common being:

  • Traditional IRAs, which have you deduct contributions while paying taxes on your withdrawals
  • Roth IRAs, which require you to pay taxes on contributions but allow for tax-free withdrawals

Because an IRA provides tax advantages to investors and helps encourage setting money aside for retirement, opening one could be a good option for student loan borrowers who want to get started with investing.

5. Do your research before investing

No matter what type of investment vehicle you choose — 401(k), IRA, or another kind of account — make sure to do your research before putting any money toward it. There’s an inherent risk in any investment, and it’s up to you to understand the risks and potential rewards of your investments.

Tip: If you’re overwhelmed and not sure where to begin, consider meeting with a financial adviser to choose the best investment options for your situation.

Emily Guy Birken has contributed to the reporting of this article.

About the author
Nick Dauk
Nick Dauk

Nick Dauk is a Credible authority on personal finance. His work has been featured in Business Insider, The Edge, Bisnow, The Telegraph, BBC, and Culture Trip.

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Home » All » Student Loan Refinancing » Should I Pay Off My Student Loans or Invest in Stocks?

Paying Off Student Loan Debt


  • How to Pay Off Student Loans
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