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For many, such as individuals with student loans, the rationale behind not paying off debts in full stems from a strategic financial decision rather than mere defiance. One individual expressed that instead of paying off a low-interest student loan of 3.84%, they preferred to invest that money for potentially higher returns. With the S&P 500 offering approximately 10% returns annually and high-yield savings accounts fetching around 5% interest, this individual rationalized that leaving student loans at a minimum payment allows the opportunity for growth through investments.