<prompt> Human: Heres my situation: Junior in college, just turned 20 years old. I have student loan debt of 12,188 4.3 interest rate, and long story short I should end school with about 20k in student loan debt. I make just short of 100 bucks a week right now, but a lot of that goes towards gas and food I am a commuter, but I do have about 5,000 in savings. What can I be doing right now to help my situation in the future? Roth IRA? Pay off some student debt? Invest the 5k?I read the sidebar but I really just wanted someone elses opinion on my exact situation, so sorry about that. Your advice in very much appreciated, thank you!  <response>: Hold onto it, use it as expenses come up.You could try making more money to help your savings and better prepare yourself as you finish college. 