<prompt> Human: Just graduated and currently have 3500 in student loans, interest rate at 3.860. I can pay it all off now, and have somenot a lot money left that can last me one or two months for me find a job. Already live with relatives, no worry about rent. Or I can spread it out over monthly payments. Ill pay more interest that way, but Ill have more money in my account in case shit happens. Any advice?  <response>: Your interest rate and loan amount are low so it doesnt really matter that much. I would wait until I found a stable job and then pay it all relatively quickly just to get it off my plate. 