<prompt> Human: I go to college and I have hella debt. I make monthly payments on my private loans. This semester I am part-time because I only need 10 credits to graduate. As a result, I borrowed too much and I got 3,000 refunded to me. I do not think I should hold on to this money, I think I should pay it back. I am not sure who to pay back first. Here are the approximate balances and rates of my loans currently: 20,000 balance at 5 private loan 15,000 balance at 2.5 private loan 4,500 balance at 0 while Im in school, 4.6 after federal loan 2,000 balance at 4.6 federal loan 5,500 at at 0 while Im in school, 4.29 after federal loan 2,000 at 4.29 federal loanI think I should pay back the 5 private loan first, but at the same time does it make sense to pay back a loan with another loan? Or should I pay the loan where the money came from? Or should I hold onto it? Any help appreciated.  <response>: 5 private. Good news is all of your interest rates are relatively low. 50K is a lot of money, but as long as you get a decent post-college job, youll be able to pay it back quicker than you think. I make under 50K and my 60K debt isnt life crushing. I dont get to buy the latest Macbook when I want or contribute a ton to my 401k, but Im not eating dog food either. 