<prompt> Human: My mom recently gave me some bonds that were purchased for me as a child and Im not sure what to do with them. Im about to graduate college and enter the job market, but Im not necessarily strapped for cash at the moment. I will graduate with about 30k in student loans. Any advice on what to do with these bonds? I used the Treasury calculator to see their worth as of today which comes out to 2,362.48. Searching past threads, the consensus seems to be to cash the bonds, but my question would then be what would be the best way to use this money for someone my age, other than just let it sit in a checking or saving account where it will accrue little to no interest?  <response>: Why not throw the entire amount of the cashed in bond straight into the loan and get an immediate return on your money? Assuming youre at a 5 interest rate and payment period of 10 years, youd be saving yourself hundreds more in interest. 