For long-term growth, all four ETFs are excellent options. SPY provides exposure to the S&P 500 and a diverse range of large-cap US companies, making it an ideal choice for long-term growth.
VOOG and SCHG focus on growth stocks, which provide possible profits, but more risk is there. 
QQQM primarily favors technology companies. It provides more volatility but also more growth potential.

So if you want long-term growth, then SPY, VOOG, and SCHG can be beneficial options. If you are seeking a more rapid expansion, QQQM is the best option for you.

It’s actually a great move to pay off your loan in a single go. Well in your case, I would suggest you to focus on the loan with the highest interest rate that is 4.47%, if you want to save more money. And then move to the lower one which is 3.91% and in the end pay off your loan with the least interest rate.

Citibank credit card offers a variety of benefits and rewards for travelers.

Benefits: Gives access to  airport lounge, travel insurance, lost or damaged luggage protection, comfortable staying at hotels during long layovers, Rewards: Provides you travel benefits, adds points/miles on travel purchases, and offers a welcome bonus.

If you travel a lot then Citibank offers you a variety of card. The Citi Premier Card offers points on air travel, hotels and restaurants. Then there is AAdvantage Platinum elect World Elite Mastercard which offers you 2x miles on airlines purchases, eating at restaurants and gas stations.

Selecting a good credit card for travel depends on your travel habits and preferences.

Yes! you can buy travel insurance at the last moment. There are many travel insurance providers, from where you can choose according to your requirement. Allianz Global Assistance, World Nomads, Travel Guard by AIG.

All the insurances have different benefits (medical coverage, trip cancellation), so it’s better to go through each insurance and compare them and then decide the best insurance for you.