<prompt> Human: Ive been saving for a while now and thought about using the money Ive saved to pay off a huge chunk of my loans, however, it would still leave me with debt and Id be back at zero. Whats a better use of the money to help with the loans?I thought of investing in bonds, but I know they have pretty low returns. I have money invested in stocks but I am not that risky to put all 3000 in it. I was thinking of maybe saving a bit more and getting into real estate. Im a business major so I think I can understand most of what you will have to say. Im asking for real help, so please dont be condescending. Assistant: Save it till you finish school. This is a good starter emergency fund and you can put it to future school costs or potential cost when you graduate and get a job. Read wiki for more info.Human: This is what my mom keeps on telling me to do, but I dont want to be in debt for a long time after college.  <response>: Hopefully you find a job that can pay your student debt. Dont spend your last 3k. God forbid you have an emergency and need it for something more critical. 