<prompt> Human: I have a 5500 unsubsidized stafford loan with a 4.66 interest rate and a 1.072 loan fee. I had originally paid 1,200 of my own money in tuition, and planned to allow the other 1,200 community college to be paid with my stafford loan.A few days ago, they refunded me the 1,200 and my loan paid for the loan in full, so I now have that money sitting in my checking account. Since my loan is unsubsidized, Im still accruing interest on that loan so Id like to use this 1,200 to try to offset the interest accruing. What, as a 19 year old college student, is the best investment to put my 1,200 into?Assistant: Pay off the loan as much as you can.Human: thats... Sort of the plan... I cant start paying until after I graduate though  <response>: Why not? You can pay towards federal loans whenever you want. 