You are getting money to be paid back with interest and you want to be advised. To get good advise,you need to give enough information. For example,after how long is it to be paid back. What interest rate? Look man,somebody is advising you to buy land,another is advising you to invest in the money market while one is advising you to buy MSC shares. without any info,i can as well advise you to pay dowry. It is a form of investment too.