<prompt> Human: I paid for college on my own and have generally been poor my whole life. However, I reveived a completely unexpected 90k inheritance and want to know if I should pay off my student loans in one payment, or continue paying them off in monthly installments. I guess my apprehension comes from the unrealistic idea that maybe all student loans may be forgiven one day and I will feel stupid for paying them all off in one go. Breakdown:Approx 28k in government loansApprox 15k in private interest free loans  <response>: I guess my apprehension comes from the unrealistic idea that maybe all student loans may be forgiven one day Yeah, that isnt gonna happen.1. Pay off those loans2. establish a 6 month emergency fund3. open a Roth IRA4. put the rest in a brokerage account in some low cost index funds. 