Hello all,

I have used the pandemic time to start my real estate career while work was slow. At this point, I have enough put away with reserves to either buy my first property or pay off my student loans. I was going to refinance the student loans, a breakdown of the refi is below. However, I was thinking that if I use the money I was going to use as a down payment to actually pay off the student debt, it would actually bring more cash flow. I just wanted to see if anyone can offer their opinions here.

Refi 5 year, 11 months. Total is 32000 at roughly 3 percent. Based on the pay off calculator, it would be 500 a month.