The best replacement for pay off student loans is invest.

Лучшие альтернативы к pay off student loans можно упорядочить следующим образом:
★★★★★  invest
★★★★  save for retirement
★  down payment on house
★  save money
★  save for down payment
★  save for a house
★  emergency fund
  invest money
  retirement
  save for house
  contribute to 401k

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pay off student loans
invest
save for retirement