<prompt> Human: Hello!I have about 12k in total assets right now and about 20k in student loans, by the time I graduate that number will be about 28k, but I figured I could start paying it down now. Given that the loans have no interest, should I just wait to start paying them or should I work on paying it down today?  <response>: If you dont have to pay interest in the loans while in school just save your money. Once you graduate and have a job lined up then use your cash savings to pay off the loans. You can do a large payment at that time and leave a few 1-3 thousand as an emergency fund. Good luck! 