<prompt> Human: Im 21 years old in my 4th year out of 6 in college currently taking night classes with a steady full-time job making 32,000 a year. Since the cost of part-time school isnt as costly and Im still getting a bit of help from my parents for tuition, every month after rent, food, bills, transportation, etc, I put between 300-500 into my savings, which now has about 5,500 and now Im not really sure what I should be doing with it.During my first two years of college when I was attending full-time, I took out the following loans: 2011 Direct Sub Stafford Loan - 4,000.00 3.4 interest rate that wont start until I graduate 2011 Direct Unsub Stafford Loan - 2,000.00 6.8 interest rate, already accruing 2010 Direct Sub Stafford Loan - 3,500.00 3.4 interest rate that wont start until I graduate 2010 Direct Unsub Stafford Loan - 2,000.00 6.8 interest rate, already accruing Ive put down some payments just to keep the interest down, so currently I owe 11,856.20, 356.20 of which is accrued interest.I know questions like this get asked all the time, but Im really not sure what the best action is to take. Should I start making steady payments on my loans now with the money Im saving even though they wont require payments until my graduation in June 2016? What are other smart investments I could make? Any insight would be greatly appreciated. Thanks!Edit: Formatting  <response>: Pay off the two unsubsidzed loans 6.8 