Loan repayment


Q. I have approximately $4,500 to repay on a TSP loan. I want to retire in five years, so I’m trying to build up my TSP. Am I better off to let the loan run it’s course, or am I better off putting the additional contributions toward the loan?

A. It’s impossible to determine, or even reliably predict, which will be better in advance.


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Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

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