<prompt> Human: Okay so here is the situation: I have 28,700 left in student loans. Just started a new job and hope to pay of student loans in 6 months or so. My mom offered to pay for my loan so I do not have to pay interest and I pay her back over the next year. Should I do that or just pay my loan off over the next six months so I can use the interest as a tax deduction? I am in the 25 tax bracket so I do not think using interest I estimated I would pay about 1600 in interest if I paid of the loan in the next six months as a tax deduction would be too wise so I was thinking about taking my moms offer. What do you guys think? Thanks for your help in advance.  <response>: Spending 1600 to get 400 back from the government is silly. Take your mom up on her generous offer. 