<prompt> Human: I never moved out of my parents home for college, and theyre still willing to pay for everything, so my expenses are minimal. Im a Computer Science grad that hasnt had the best time with my job search, but Im working on it and I have several interviews coming up. I have just under 16,000 saved up from my internship last summer, but Ive been trying to use as little of that as possible since I dont know how much longer Ill be without a job, and some things are happening in my family that might affect my parents ability to keep helping me out in the coming months. Ive applied for non-tech jobs to hold me over, but I keep getting told Im over-qualified. My loan servicer is asking me to decide on a repayment plan, and Im wondering if I should apply for income-based repayment or see if I can get payments deferred until Im settled with a job. I hope I can find a job by the time June rolls around, but I honestly thought I would have a job settled by February and that didnt happen so at this point Im honestly not sure anymore. Does anyone have any advice for my situation?  <response>: Just pay it off. I know it is a big check to write but it is very worth it. You will still have almost 7k in the bank and a great future ahead of you. 