<prompt> Human: Hi everybody,I am a recent graduate and have been working full time since june. I have 5500 of student loan debt and am current in grace period until mid november. My absolutely necessary monthly expenses have been about 700 so ive been pocketing about 2500 a month after some spending for myself and will have enough to pay off this debt in 1 payment when november comes. I browse this thread quite often and what ive learned from credit card usage, i should never pay interest. I predict ill have about 10-12k saved up by the time my first payment is due. Is it a good idea to pay for the entire debt in 1 payment or maybe spread it out over 3 or 4 payments to take less of a chunk out of my savings.Im asking because im not really dispersing my money into different savings such as emergency fund or general savings for when i move out. Im hoping i can have some guidance on how i should treat this debt and how i should break down my take home pay into different savings.  <response>: Generally speaking, you should always try to pay off all debt as quickly as possible. I would be paying 2,500month right now since you have it. 