<prompt> Human: Im unsure ifwhen its smart to pay off my student loans versus saving or investing my money. In particular, I have a 9K loan that Im itching to just wipe out, but while it would feel good emotionally I dont know if its wise financially.Heres where Im at: 40.1K in cash easily accessed savings 9.1K private loan at 4.43 interest 16.4K federal loan at 3.75 interest 1.3K in credit cards currently fluctuates bc I pay off entirely every month no mortgage, car loan, or other loans maxed out Roth IRA for 2016, but not for 2017 contributing up to max employer match on 401kWhat do yall think?  <response>: Cash and savings likely has a lower interest rate than the rates you are paying on the loans. Therefore it makes financial sense to pay off the loans. If you have it in investments that are making more than 5, then no it makes sense to leave your money there and not pay them off.If I were you I would definitely just pay off the loans and start fresh. 40K is a great amount, but it seems silly to have those loans hanging over you when you have that much liquid cash. Unless you are saving for a downpayment on a home or have a specific plan for that money. 