Why i Haven't Paid Off my Student Loans

I’m going to break down exactly why I still haven’t paid off my loans and when I actually plan to pay them off. Even though I have a little over 30-40k in cash.

Background: I might owe 20,900 In student loans but I borrowed 7k to start a business ( so my real student loan liability was 13k)
Second: over the past 4 years I’ve doubled that money several times over, so that money could pay off all my loans.
But I still haven’t and here’s why

Why I haven’t Paid off my Student Loans

Pros and Math
– $20,900 bucks as of this point and pay between 3.8%-4.7% in interest
Which around 982 per year or 81 bucks per month
Story: Heres why the interest doesn’t matter,
– It’s super low compared to what a personal loan or a credit card would charge me.

Opportunity Cost:
If invested in the market: 7-12% Acorn by investing in ETF ( Profit= 1,463)

If invested for a down payment: 3.5% for a down payment can buy me $597,142 (which is the value of the house I currently live on), I could expect a return of again 7-12% from rent, depends on the deal.

If invested to start a business: I doubled that money every year for 4 years straight, so that money now is worth around 60k give or take

Hidden Pro: I deferred my interest for 1 year so my first payment will be required in August. What does this mean?

I make a little over 15k per month so in 8 months I should have around 120k saved up or invested.
Returned if invested 10%: 12k per year in profit ( loan would be paid in full in less than 2 years)
Returned if saved 2%: 2,400 enough to cover interest and pay off the loan over a long period of time

Ps. That 120k: could be used to buy 5 properties worth 500k or more with a down payment of 3.5 as I keep moving from home to home.
Meaning more Income:

Cons and Math

Interest: It might be low buts it’s still a lot right, and if all I did was pay interest until I was 65, it would cost me near 65k. Buts, not the plan.

The effect on my credit report:
It puts weight on my score, especially when the creditor is deciding to give me a loan or not.
– But having a high income and a lot of liquid cash makes the decision a lot easier.

When will I pay?
Never, I’m going to have my investment pay it off by the time I turn 25.

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