<prompt> Human: Howdy.I have a big chunk of cash I have acquired over the last 6 months and Im looking at something to do with it.I currently earn a little over 5000month, with about 1000 in expenses rent, food, current loan payments, entertainment, etc.. I could probably cut the spending down to 500 if I lived frugally but, gotta enjoy some things right?Im looking at what to do with my money. I do have 25k in student loans. Should I pay it all off? Should I pay off a chunk such as 12.5k now and then 12.5k again in a few months so I dont wipe everything out? Should I pay off 12.5k this year and the balance a year from now? I have zero investments right now and am reading everything and taking my time but I dont know if it would make sense to start investing now when I have all this debt.Thanks in advance. Assistant: ALso does anyone know if I offered up a lump some they would give me some sort of discount? IE, I would give them 90 of what I owe and I could pay it today if they agreed to it?Human: If you lent someone 1000 dollars payable in a month would you accept it if they paid you 900 in 15 days or less?Assistant: Yes? Early Payment Discount does existHuman: So where are you going to get back your remaining 100?Assistant: There is a difference between a personal loan and a student loan. Thanks for your inputHuman: Then why would a company that has already lent money on your behalf accept any amount for less than you already owe them?Assistant: I said Thank you for your input, implying that I was ending our discussion. The question has been answered and I have better things to do.  <response>: Alright, well I apologize but I took the last comment as snarky on your part. 