For the past twelve months I’ve been weighing the merits behind saving whilst I pay down my student loans versus throwing as much as I can at my outstanding balance and leaving my savings account to flat-line. And when I say savings I am talking about long-term savings here (ie. retirement). There may be a valid business case to save up for a car while you pay down debt (or even borrowing more to buy a car sooner). As we’ll soon find out, you just need to be sure the return outweighs the cost.