Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Pay down the student loan, or buy the car with cash?
Here's another way to look at this that might make the decision easier: Looking at it this way you can turn this into a financial arbitrage opportunity, returning 2.5% compared to paying cash for the vehicle and carrying the student loan.  Of course you need to take other factors into account as well, such as your need for liquidity and credit. I hope this helps!