$50k loans forbearance ended - Pay in full vs. Pay monthly and invest my cash?

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My wife has $50k of federal student loans which forbearance ended Nov 1st and we have to start reimbursing on Nov 13th. The interest rates on her loans seem to be around 6% to 8% p.a. Should I pay it off all at once if we have enough cash? My reasoning is that if I invest that cash instead of reimbursing the loans, I may earn less than 8% p.a. so net-net I would be losing money. But we may want to save that cash if we ever need a down payment to buy a house 2-3 years from now, or for another future purpose...

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Mbrown0525

Personally, I would pay it off in full. That’s solely based on wanting to be done with them and not hanging over my head.

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Posted: 3 months ago
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External URL: reddit.com/r/StudentLoan...