<prompt> Human: My grandpa gave me 10,000 for Christmas and Im torn as to how I should best use this money. I have about 15,000 in student loans, and currently my boyfriend and I have an agreement that hell pay our entire rent for a bit so that I can comfortably put 1,000 a month towards paying off that debt. Given that arrangement, part of me wants to use that 10,000 to pay off 23rd of my debt so that the rest will be paid off by summer.On the other hand, my boyfriend says that I should put the money into my savingsconservative investment account separate from my retirement account since its unlikely that Ill ever receive this much money at once any time soon. I can see both sides of the coin here, but Im really not sure which is the best use for this money.  <response>: On the other hand, my boyfriend says that I should put the money into my savingsconservative investment account AAARH. no. no. no.Pay offdown the debt. Tomorrow. 