<prompt> Human: I am 20 years old studying bioengineering at a top 10 university. I will graduate with only 20,000 in student loan debt and I currently have 5,000 in savings. I will have roughly 3,500 in my checking account after paying for my apartment rent for the school year. Am I better off starting to invest my savings or should I save it and pay off student loansa house? Im also open to other options. Since I wont have a lot of debt relative to what my anticipated salary is after graduation, I want to make the most informed decision I can with the money I have now.  <response>: Dont invest yet. Youre better served holding on to the liquidity of that money as an emergency fund. Remember jobs are not guaranteed once graduated. 