<prompt> Human: Hi. I have access to 10,000 that was gifted to me. I am a junior in undergrad and wondering how to best invest this money.  <response>: I would use it towards paying off the degree. Think if schooling as another form of investment and the sooner you pay it off, the less interest you are bound to. My loans are all paid off and it liberated me to start doing other things with my money sooner. 