<prompt> Human: Hi all,My grandfather passed away last month and left me with an inheritance of 50k. Ive been thinking about paying off all of my student debt 20k in one fell swoop, but im getting cold feet because the thought is a little intimidating. Here is some current information:- 16.5k loan at 3.8 interest- 3.5k loan at 6 interest- 52k in savings- I make 3000mo- My rent is 200Does it make more sense to pay them all off, or just pay the 6 loan off and make minimum payments on the rest?Thanks!  <response>: Im not sure what has you concerned about paying off the debt, but turn the question around and see if that sheds some light. Imagine you had 32,000 in the bank, and no debt. A nice person calls you on the phone and offers to loan you 20,000 at 3.8 interest so that you could have more money in savings. Would you do it? If not, pay off the debt this week. 