<prompt> Human: So I am 26 and have a little over 9 months left in nursing school. My loans will end up at just around 60k and I have 15k left over which I have not used. My average monthly income take-home is at the lowest 1500 which after bills leaves me with, lets say, 600 extra unused also low end, and not including any luxuries. What can I do financially at this point to start preparing for the future payments.Currently have a car Im buying in my name, dont pay rent, and have a very stable job at a hospital.  <response>: If its been less than 6 months since your last disbursement you can actually go through the student loan office to send the money back. It reduces the original loan amount and they will remove any interest that accrued. Think of it as decreasing the amount you borrowed retroactively. This is the best option assuming you absolutely dont need any of the money you give back. 