<prompt> Human: A little bit of background, Im a senior that will be graduating in a month. I just accepted a job offer for 67k in Chicago that I start in the fall.I got a large refund from my school with which I paid off my private school loans and my unsubsidized loans the ones with interest. I have about 5500 left in subsidized and federal Perkins loans total. I have about 9k left over from my refund.I also have the opportunity to get an unsecured loan upto 25k at 2.99 APR. I wouldnt have to start making payments until 6 months after graduation. I have another job for five months this summer and early fall before I start my full time job. I should make about 10k for that. They provide housing so I would need to just buy food.What are your suggestions to exploit this opportunity? Right now my plan is to put the full 5500 into IRA from my refund but thats just as far as Ive gottenI have a car payment of 225 with insurance at 98 and a phone bill at 50 but those are my only expenses at the moment.How much should I look at spending on an apartment in Chicago? Do you think I should take out the unsecured loan, pay off my car lower interest and put the rest in a mutual fund or something?Any other suggestions are greatly appreciated!!Assistant: Probably not a great idea to take out a loan 3 and then buy mutual funds. Whats the interest rates on student loans and car?Human: The car is at 5.6 and loans are 5 for Perkins and and about 4 for the subsidized  <response>: Paying off the loans and car is a no brainer. Dont borrow more or try to invest, 5 is quite high. 