<prompt> Human: I am in a unique position where I can fully pay off my student loans. I have about 25,000 sitting in an account from a legal settlement from when I was young long story. I am hoping you guys can give me some insight into whether or not this is a good idea. My financial information is listed below. Age: 25 Single No credit card debt paid off in full every month Student Loan Payment 160month 12,500 balance Pre-tax yearly income: 39,000 Checking: 2,000 Savings: 12,000 Savings Bonds: 3,000 Stocks: 1,250 Settlement Account: 25,000  <response>: to me, this is a no brainer. 