<prompt> Human: They are EE series bonds in my name. 4 interest rate. They stop earning interest after 30 years. I will probably make 30k this year I have a job lined up and then 65k in subsequent years. I also have 30k of loans. I only have 1500 cash on hand and am graduating this May. Should I cash them in now to pay off the loans, cash them in now to help me get some more cash on hand, or wait until their life is up?  <response>: Whatever you do, when you decide to redeem them, take into consideration when the interest is paid once every 6 months, based on the anniversary date of issuance in order to maximize your interest potential.Find more info here: 