[dazraf69]

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If you don't have any other cash around and you have the discipline not to spend the 15K it might sense to keep it on hand. Eventually you'll need to finance something and you'll always pay more than you'll be paying on your student loan.


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This is the very point that has thus far kept me from paying on my loan in a lump sum. With interest rates on the rise, its hard to pass this opportunity up in taking advantage of a low rate.