conversation: User (Birddog__): "I am 24 years old, making $41,000 a year and currently going to community college. Tuition is very cheap and I have reimbursement through my work so I haven't needed student loans. This last year, I was able to get completely out of debt including my car loan.  \nMy girlfriend and I will be moving back to my mom's house for 6-9 months for me to accumulate money for when I go to The University of Utah in a year. During this time, I am planning to save up around $15,000 and will be to $20,000 by the time I get to the university.  \n  \nMy initial plan was to use this to avoid student debt, however, after a conversation with a friend, I am reconsidering where that money should go. His argument was that I can easily beat the interest rates of a student loan in the market and therefore the math says I should invest to get the most out of the money. My work will reimburse $5,250 a year for school and I imagine that I should be able to pay them off quick once I'm finished.  \nHow would you folks advise on this? Should I get the money invested as I save it or dump it into tuition to avoid going back into debt with student loans? Or is the answer a combination of the two options?"
  Self: "I added topic flair to your post, but you may update the topic if needed ([click here for help](/r/personalfinance/wiki/flair)).\n\nYou may also be interested in:\n\n- [Student Loans wiki page](http://www.reddit.com/r/personalfinance/wiki/studentloans)\n- ["I have $X, what should I do with it?"](http://www.reddit.com/r/personalfinance/wiki/commontopics)\n- [What's the best way to pay down my debt?](http://www.reddit.com/r/personalfinance/wiki/debt#wiki_what.27s_the_best_way_to_pay_down_my_debt.3F)\n\n\n*[I am a bot](/r/AutoModerator/comments/q11pu/what_is_automoderator/), and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose?to=%2Fr%2Fpersonalfinance) if you have any questions or concerns.*"
  