Hi Andrew, Explore with our local banks on whether you are able to refinance your student loan. If you are able to refinance your 80k, to present day interest rates of 1.5% p.a. You should be able to pay back your principle + interest within 5 years. If you use an amortization calculator, based on your 2k budget per month, you could be paying of around 1.4k of your principle + interest, with a budget of 600 to invest monthly still. You should try and spread out the loan as much as you can, as student loans are considered a good kind of debt. As you progress in your career, you would be able to pay off your loan as a small fraction of your take home income. With some planning you can do both, Based on your 2k budgeting, - 16.8K for Loan repayment yearly - 7.2K annually for investment - At a conservative 6% ROI yearly, over the next 5 years, if you invest your 7.2k yearly, your investment portfolio could be around 40.5k, from the invested 36k. As much as possible, if your situation allows for it, stay invested at an early age. You will thank yourself for it in the future. Hope i was able to answer your queries!