<prompt> Human: So I currently have a student loan debt of about 28,000. At my current rate of payment, I will have paid something like 40,000. Its a handful of government loans, interest rates averaging at 6.I had a relative pass away and leave me some money - more than enough to pay off my student loan debt in full and have some left over. I dont use it for anything other than student loan payments right now. Im 23 and just got my first real job in a corporate office, salaried at 35,000.I was discussing my student loan debt with my father and told him that I wanted to take that money I inherited and use it to pay off my loans in full, so that I can start on my own with a fresh slate. He very adamantly told me that he strongly disagreed with that approach and that it was a horrible idea. However, he could not give me any reasoning behind it other than, its just a bad idea.Ive done some Googling around on the topic. All Ive found is that its a bad idea to do if you have other, more pressing debts - like credit card debts. I dont have any credit cards. I dont have any other outstanding debt besides these student loans.I feel pretty strongly about this and would really like to get this resolved as soon as I can.Can anyone give me some insight into my best avenue here? And why my father feels as he does?Thanks!  <response>: Pay off your student loans, keep the rest for an emergency fund with 3-6 months of expenses, if there is still some left over you could invest it or take a small piece and do something fun. Maybe not car fun, but a short weekend trip somewhere fun or spend some for a hobby you enjoy. 