<prompt> Human: This is a throwaway so Ill be candid about the numbers. Some of this information might be superfluous to determining a good debt strategy, maybe. I got an associates degree in 2009, and landed a job, and make 31k a year currently. I decided to go back to school to pursue a bachelors degree, while continuing to work full-time. My loans previously came to 275 a month. One-third of my loans have a 6.8 interest rate, the other two-thirds is 3.75 On average, only 60 of my monthly payments got applied to the principal, 40 of it was applied to interest. Since Im back in school, my loans have gone into deferment. For the past two months, Ive paid off the same monthly amount I would if they hadnt been deferred. I was thinking this was a good idea, since accrued interest is currently zero, the full 100 of my payment is going towards the principal. However, since the debt currently isnt increasing, should I be, idk, investing my money in some other way, so that that money is earning me money, that I can later pay to my loans when deferment ends some years from now? Thanks for any help!  <response>: Do you have an emergency fund set up? Do you have any other kinds of debts? Are you saving for retirement? 