If you have lower-interest loans designed to be paid off over the long haul -- like student loans or a mortgage -- then early payoff may not actually be for you. These kinds of debts may have low rates and interest may even be tax deductible, depending on your income and tax filing status. It doesn't make much sense to pay off this type of debt early when you could earn a better ROI by investing in the stock market.If you have credit cards, medical debt, or personal loan debt at a high interest rate, then y ...