<prompt> Human: Hey everybody. Im 18 years old, and am a freshman in college. I have a job this summer that I plan on making around 6,000 for the entirety of the summer. I plan on putting 5,000 of that away for the futureloans. It would kill me to put these in a savings account, seeing as ive heard good things about returns on having my money managed and other funds. I plan on saving all of my money until I have to start paying on my loans, but I would like to get a return on my money since I wont have to pay loans off for another 3-4 years.What is the best thing to do for somebody in my situation? I understand the concept of an emergency fund, but I would like to look compare having my money managed by a third party, or managing it myself? Any advice would be great. Thanks.  <response>: The best guaranteed return on your money is putting that 5000 in the bank and using it to take 5000 less in loans when the time comes.A money manager will do nothing for you, and putting it in the market now for only 3-4 years trying to earn a significant percantage of return may as well equate to gambling. 