<prompt> Human: More details:She received 10,000 in cash to do with as she pleases, and 44,000 that she can access when she turns 35 7 years from now. However, if she uses the 44,000 for educational purposes she can access it immediately. Her total loans are approximately 73,000 with 43,000 being unsubsidized meaning interest is accumulating as we speak. She still has a semester left of grad school, and she is wondering if she should just pay down all of her unsubsidized loans and use the 10,000 for living expenses, or if she should invest the 10,000 and take out more loans? My instinct is that she should use the 10,000 for expenses and not take out anymore loans.  <response>: This depends on what the interest rates and what you expect the return on investments to be.Lets say that the loans are at 5 interest and you invest with a return of 2, you would be better off paying down the loan. 