What would you do?
I'll preface this by saying I know it probably won't make a huge difference either way, but just want to hear different opinions of what some people would do in my situation.
I am currently a PGY2. I have $121k in federal loans, currently enrolled in the SAVE plan, but haven't been making payment during the whole forbearance fiasco. Interest rate will be 5.875% when that restarts.
I have about $120k in taxable investments, including about $30k in crypto and the other $90k in a taxable brokerage. I am considering cashing it all out and just paying off all of my student loans. Especially with the uncertainty around SAVE and REPAYE, I feel like I just want to be done with it. Unfortunately I would probably have to pay a decent amount of capital gains tax if I were to do that.
I would still have $340k spread out amongst various retirement accounts, so I wouldn't be entirely depleting my life savings. But it would also be nice to keep everything invested throughout residency and let the compounding continue to work it's magic. I'm going into radiology and will likely be able to pay off all of my federal loans within a short period of time after graduating, so part of me also wants to keep paying the minimum on my loans through residency and maximize my potential market returns.
At the end of the day, I recognize that I will likely be fine either way, but just curious to know what others would do.