<prompt> Human: I have roughly 30k in student loans and have about 40k in savings. I was wondering if I should put down ten k and pay it down quick or just do 1000 a month for thirty months ish. My rates are in the fours and I live at home with parents and am not planning on buying a home until next year. Have a full time job making 50k a year.  <response>: Write a check. 10k savings while living at home is plenty. 