SDN Members don't see this ad. About the ads. I've got about $200k in student loans at 4.75% interest. After a few more payments will be at 3.75% This is my first year out as an attending, I'm roughly making about $875 monthly payments. I've saved up about $90k. I make >$350k a year. What would you do in my situation? Should I try to pay of large chunks of my student loans to decrease debt? Or should I invest my money to make great than 3.75% a year? If so in what? I'm also inclined to not pay of my student loans right away (but making minimum payments) so that if a good business/investment opportunity arises, I want to have ready cash. Thoughts or advice?