<prompt> Human: I dont have any credit card debt married with no kids. Two cars, financed -- one is 0 Owe 17k, the other is 1.9 Owe 24k. I have two consolidated federal student loans totaling 36K at 6.375. My mortgage is an FHA 30yr at around 1100 a month 3.5. I was left with about 60k after my mom passed away and I feel she would nag me to pay off my student loan but Im just not quite sure. Any help is greatly appreciated, thank you!Updated:Thanks everyone for the advice. I just paid off the loan this morning, it feels amazing. Fairly certainly my mom wouldve wanted me to start down the path of being debt free. Much love for you all.Update 2: Holy friggin smokes, thanks for the gold! I dont know what I saiddid to deserve that. Thanks again for all of the advice everyone, Im overwhelmed with the positive notes on my Mom and guidance towards financial freedom. Its been a trying year, my mom spent the last 9 months of her life in the CICU and her life ended during a double lung transplant. I got to spend every single day with her thanks to my job and wonderful wife. I wouldnt change anything, but even today its clear to me shes still looking out for my brother and I. I grew up on govtfree lunch and I look forward to giving my kids someday that my mom wouldve wanted. 3Assistant: I would pay it off, the interest rate is fairly high.That loan completely untouched will gain 2295 per year at its current balance.Cars are low interest, just pay them off monthly. What interest rate is your mortgage at?Human: Good to know, i think thats what ill end up doing. My home loan is at 3.5 Thank you!  <response>: If youve built up some equity in the home you may qualify for a mortgage refinance that will remove the Mortgage Insurance Premium and save you money on your bill. 