Ask us anything: Should I overpay my student loan or invest?

We answer your biggest questions: Alfie has £45k of student debt at 7.1% interest. He asks "Should I focus on trying to take chunks off this debt, with my yearly bonus, or invest it?" Adam asks "T, what kind of work do you do in crypto? And how do you see crypto/Blockchain space in the coming years in terms of uses?" What would you like to ask us? Email [email protected] or slide into our DMs. 🤝 Want help from a financial advisor planning your future? Get personal support: https://makingmoney.email/financial-advisors-audio ⛑️ Free guides & financial health check Learn how to build long-term wealth in the UK: https://linktr.ee/makingmoneypod 📈 Investment platforms we use Trading 212 Watch this video where Damo explains how to get the most from it: https://youtu.be/BVVZhrM0LVQ Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. Use the code ‘MM’ or this link: https://www.trading212.com/join/MM InvestEngine  Get up to a £50 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard Minimum investment of £500 or £100/month https://www.vanguardinvestor.co.uk/ If you purchase a product or service using one of these links, we will receive a small commission from the seller. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. 🎉Sponsors Vanta - Get secure and compliant with $1k off: https://vanta.com/makingmoney. Tide - Get 3.81% AER variable on your business savings. Use this link https://www.tide.co/offer/makingmoneyq1 or the code 'MAKINGMONEYQ1'. You'll also get £100 if you fund your account with £5,000 in the first 30 days. Ts&Cs apply.  New members receive a 0.77% AER boost on the standard 3.04% until 01/06/25 after which the rate reverts to 3.04% with no interest on balances over £75,000. Rate correct as of 06/02/2025. Full terms: https://tide.co/terms/makingmoneyq1-tnc.  -- This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.