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

I have a loan with a 6.5% interest rate. Should I divert money into my 401(k) instead of prepaying?
The long term growth is not 6.5%, it's 10% give or take. But, that return comes with risk. A standard deviation of 14%.  Does the 401(k) have a match? And are you getting the full match? If no match, or you already top it off, the 6.5% is a rate that I'd be happy to get on my money. So, I would pay it off faster.  My highest rate debt is my 3.5% mortgage, which is 2.5% after tax. At 2.5%, I prefer to be a borrower, as that gap 2.5%-10% is pretty appealing, long term.