<prompt> Human: Hi PF! Just trying to get some opinions on my future.- Currently 22 years old. Graduating University in May. Financial SituationStudent Loans: 27,817.49 - Subsidized 3,500 4.5- UnSubsidized 7,786.72 3.86- UnSubsidized 16,530.77 6.8My Money- Savings: 7,700- Savings estimated by time of graduation: 12,000- Checking: 1,400- Checking estimated by time of graduation: 2,000ishQuestions- Whatre yallss thoughts on consolidating my loans...- What do yall think graduated repayment plan...- How am I looking so farThanks PF!Please let me know if yall have any questions or ideas!  <response>: Theres no reason for you to do anything other than the standard repayment. Youre estimating to have nearly half of your debt in cash. Use the savings to get settled after graduation, keep a reasonable emergency fund, and put the rest right towards the loan. 