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This is one time when paying a loan off early may not actually pay: a new study has found that putting money into retirement savings instead of clearing student loans can result in higher net wealth.

Young workers are drowning, so to speak, in student loan debt, and it’s no surprise that that’s taking a toll on what they can do with the money they earn. Not just retirement savings, but other goals—like buying a house, getting married or having children—are being postponed as young grads try to get a handle on the debt left over from their college days.

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