investment/debt question

[Marlow]

Hi. I have some extra money. Is it better to pay off my school loans (~$4.5 apr) or invest it where I can expect around 10% on my money?

I know the answer seems obvious, but I'm in a siutation where my household income is going to decline a little in about 2 years. At that point, it would be great to have fewer bills. If I invest the money and pay my debts through that investment account, then I have to pay taxes on the interest, and my money is at risk (albeit a small one).

Also, if you advocate for investment, please let me know if there is EVER a situation that it would be better to pay down the debt.

Sorry in advance if this is the wrong forum.

Thanks,
Marlow