<prompt> Human: Hi PF,Im 26 in my first year of medical school, graduating in 2021. I have a hefty student loan burden, both private and public. The private loans have an interest rate around 9 but are all in deferment while I am in school.I just found some Series EE savings bonds that were given to me when I was born and the first few years of my life. I looked them up on treasurydirect.gov to see how much they are worth now. They are worth the following amounts 200 face value bought in 1991, final date in 2021, interest 4.00, currently 90.26 50, 1996, 2026, 1.56, currently 52.80 50, 1997, 2027, 1.59, currently 52.22 50, 1998, 2028, 1.66, currently 52.58 50, 1998, 2028, 1.66, currently 52.14My question is what to do with these bonds? Do I wait for them to fully mature before cashing them? Should I apply them to my loans now since the interest rate of the bond is lower than the loan? Should I wait till I enter into repayment before cashing them?Thank you for any advice.Edit: Thanks for the advice everyone. Im going to go ahead with what everyone is saying and cash out.  <response>: Cash out and pay your loan. 9 interest is killing you. 