<prompt> Human: Its leftover from my college fund because halfway through I transferred to a college where the tuition was less expensive. She said I can use it for a down payment on a car, savings, school, whatever.I recently started school again after graduating 3 years ago to pursue a different career path and she said I can use it for my tuition if I want, but I work full time and Ive been paying for 2 classes per semester myself rather than taking out more loans or using this money. I think I like the idea of just paying for it in full myself and having the extra savings tucked away. I only make about 2,200month but I have virtually no expenses since I still live with my parents.I have an account with Betterment that has 1,500 in it, investing in index funds. Maybe it could go there? I only contribute 100month to this account since my tuition expenses are pretty high. I also still owe 9,000 on my student loans from my first go at college.What should I use the 4k for? TIA. Edit to answer these questions:-one loan is about 6,000 at 3.15, the other is about 3,000 at 6.55-I have a Roth IRA with 3,500 in itAssistant: Personally? Kill the college debt or as much of it as I could. Imagine how good it would feel to kill nearly half of a debt that isnt going away and, in fact, is only getting bigger. Id forgo the benefit of saving the money on that basis alone. Reducing debt reduces monthly expenses by association. That frees up cash flow going forward.Human: The freedom that will come with finally paying it off will feel so great. Thank you for your reply!  <response>: I would do this only if the interest rate on those student loans is high like 5-6 if you fall on hard times your federal student loans are more flexible than other loans. If you can put that money in an index that is earning more than the interest on your loans you are utilizing your money better! Good luck! 