What's the student loan strategy? I graduate in the fall with about $9k in subsidized loans, 5-6% interest. I have a job and could start paying now and pay 0 interest, or I could wait and pay the minimums after the grace period ends and hope for forgiveness. Are people skirting these with forgiveness programs or actually paying them off?

>>60584582 (OP)
Go for forgiveness, in three years they will have a horde of people who went into debt for nothing, as AI took all the jobs. That's the least they can do to avoid riots.

Don't go for forgiveness, you would think that in three years all the hordes of people who went into debt for nothing would start rioting but everyone knows nothing ever happens.

>>60584589
This is some serious copium. You're not getting bailed out you idiot, the debt trap was part of the plan

>>60584610
I'm from Yurop, no huge uni fees. I paid for my uni times by weaving blankets for the rich, so that they can save on coal in the winter.

Wait as long as you can and stack as much crypto as possible in the meantime. When they come due liquidate what you have to pay them and by the end you will have more money than when you started.

>>60584582 (OP)
Are the government loans people get all like 6%?

>>60584582 (OP)
If you have 9k in student loans then literally no one cares. That is almost nothing. It's like complaining about rent being $300 in a nice area. 9k is so little that it doesn't matter what you do, or how you pay it off.

>>60584582 (OP)
just pay the minimum
you can easily make 8% in a conservative covered call index strategy. then you have the s&p which on avg increases 10% / yr.

oh wait you owe virtually nothing, just pay it off stupid faggot.

Id pay the minimum but still focus on saving and investing. Even if the debt rate is higher than you'd like, having money to use is always a good thing. So save the money you'd use to make extra payments.

If I paid off my student loans early I would be barely breaking even by now but instead I'm a few hundred k worth because of crypto and investing so