Pay off undergrad debt or invest?

Pay off undergrad debt or invest? Hello! I'm currently married in my early 20s and in my senior year of undergrad getting ready to apply to medical school. Quick run down: We have about $2k leftover per month to go towards our financial future/goals. Our emergency fund in our HYSA is at about $5.5k and we want to get that to our target of $12k ASAP. We have $20k in Roth IRAs s...

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