<prompt> Human: Backstory: My wife is a physician and has roughly 326,000 in loans through the government at a 7 interest rate with the intention that they forgive the debt if you pay for 10 years and work for approved non profits. A wrench was thrown in when it looks like the federal Government is trying to change the terms on the tail-end and saying they essentially wont be forgiving the loans. We intend on privatizing the loans at a lower rate after she finishes residency credit is excellent and we should be able to get around 2-4 I stay at home and take care of our child as well as own the apartment building we live in, our mortgage is roughly 111k and our tenants pay the mortgage essentially. We intend on moving when she finishes residency in July of 2018 and selling the building for a intended 30-50k profit. My wifes great uncle recently passed WWII vet who stormed the beaches on D-Day, a 98yo badass and he is leaving my wife roughly 100k in inheritance. We have 45k in savings and here is my question, do we pay down the principle on the student loan 80k or so now or do we pay off the mortgage completely and either pay down the loan when we refinance privately or do we hold onto the amount in savings and attempt to negotiate in her contract for the hospital to pay off her loan as is sometimes what happens. or any combination of the above? Any help would be greatly appreciated, thank you! Edit: I tried to fix some confusing phrasing...  <response>: In your position, I would put all available funds towards that 7 loan. 