<prompt> Human: Ive received 150,000 inheritance and am trying to discern the best way I can maximize cash flow once I am in a position to make payments on my loans.My student loans currently add to about 100,000 around 20k is from undergrad with an average interest rate at 6.3, and I still have three more years at a U.S. medical school---tuition fees sum to around 60,000year. Cost of living is another 20,000yr, if not much less.In a few days, I might accept up to another 80,000. A little over half at 6.6, a little less than half at 7.6. I know typically the advice given is to pay off all your loans first, but Im not sure if the significant amount of inheritance Ive received changes this advice; or the fact that interest rates are rising on the loans Ill be taking out. I have two siblings who have received equal amounts, and the three of us are open to pooling our inheritance to make the most of our investment potential. Im just at a total loss of where to turn for advice---wikis are helpful but I cant find enough information to make this decision alone; I also called my financial aid advisor who reassured me that any decision I make is a good decision so long as I dont blow off the cash. People on this subreddit generally seem to be wary of CFPs, so Im not sure where else to turn if thats not an open door.How do I go about understanding the best course of action I could take? Open to any suggestions, specific or broad---or even a nudge in the right direction.  <response>: Unless you can find an investment that yields over 6.3, you are losing with an investment other than your loans. But federal loans have benefits such as grace period, deferment, loan repayment options with certain employers, etc. NOT available with other investments. If youre sure you will finish the med school route, I would use it toward your med school loans. 