<prompt> Human: Alright guys, its time for me to face reality - and I need some help figuring out the best way to pay this off. Facts: 80k in student loans with variable interest rates Government, private, and parent plus- 17k in savings due to fortunate events - Monthly Expenses: Occasional groceries, car maintenanceGraduated with a Psychology degree w3.89 GPA if that counts for anythingI have a very fortunate life situation where Im not really paying any monthly expenses for at least a couple of more years. living with parents. Im looking to make probably around 45kyr starting most likely. My most current problem is how I want to invest the 17k in savings as I know just having it sit there is just having it devalue over time. Do you have any suggestions on how I can go about this? As soon as I start to make money, I plan to pour a large majority of my earnings into loans, hopefully planning to pay it all off in 5 years or so. Any suggestions? Should I look into investing into mutual funds? Open a 401k ASAP? High yield savings? Any advice would be helpful!  <response>: You mention Im looking to make probably around 45kyr starting most likely. Do you have a job yet? Getting a job is the first step. Step two is reading the Prime Directive in the sidebar. 