Need advice on whether worth pay half or full. Napkin math suggested that even at a reasonable 6% return on investments, the ptptn loan interest I save is next to nothing compared to just lump sum the same amount into robo/index funds... by like 10x amount at the end of loan duration

I don't see the connection, can you elaborate?

extended 1% fixed rate interest, which is about 1.9% in practice I heard. I won't say its morally wrong, just not the most kind choice - my repayment schedule was 15 years anyway, not paying it off earlier than usual probably just mean the resource pool refills at normal rate...

Ah yeah, I get what you mean now, I derped out and couldn't get the meaning for a moment there.

Thanks to you two, just gonna drag it out and pay normally instead of taking up the discount and lose a bunch of cash for a measly 2-4k

Napkin math, on a 40k PTPTN loan:
Lumpsum into investment even at a modest 6% return will get me ~139% ROI or 55.8k;
Lumpsum for PTPTN discount will save me about 6k in interest and 6k on discounts.

55.8k - 12k = 43.8k difference in favor of investing. That's a pretty hefty price for peace of mind...

If my math are off or there are other benefits I'm not seeing, please do let me know though.

This post has been edited by Hoshiyuu: Oct 30 2021, 02:23 PM

All very valid points that I didn't think of, thanks all!