Despite your down votes, this is probably the path I'll take. Pay the loan off a little earlier, and also capture some of the market while it is down. Thanks.

Wasn't aware the Roth IRA was named after someone. Feels like that could be a Jeopardy question.

Thanks.

Thanks, that's an interesting idea. So it's a matter of the ROI via bonds/HYSA or the return once the loan is paid off? My payments are $357/mo, but once the loan is gone those funds will be available for something else. There is also the unknown of how long interest rates will remain this high.