<prompt> Human: The facts:- 33 years old- 80K salaray before taxes- 48K remaining in graduate loans from government- 1,000mnth repayment ending 122021- 6.55 interest rate.- Saved 9K last year with current lifestyle frugal but not insanely so What is the best plan for repayment? Should I just pay it all off? A part? Thanks so much for any thoughts and advice.  <response>: Congrats on being debt free tomorrow morning with 12k in the bank. 