<prompt> Human: Im graduating college in May, and I expect to be making about a 40k salary for a while. I have 23k in my own student loans, and about 40k in PLUS loans that I told my parents I would pay back. Because the PLUS loans are a much higher amount and a much higher interest rate, I was initially planning on attacking those first. But now Im thinking - would it be better to attack my federal loans first and make minimum payments on the PLUS loans? That way I could get all the debt out of my name, maybe invest some money, and pay the PLUS loans back later? Im not really sure what to do.  <response>: Definitely do not invest your money in hopes of being able to pay off your PLUS loan. Make a minimum payment on your federal loan and aggressively tackle the PLUS loan. If you have a debt isnt your own, deal with it first. Dont be a burden on your parents. 