<prompt> Human: I had a significant amount of money come my way recently, and I thought the best use I could put it towards was paying off the rest of my student loan balance.I contacted my student loan holder, Navient who acquired it from Sallie Mae, asking them: Is this an option available to me? How do I actually do it on their site? What fees or penalties would I pay? Would this affect my credit rating?Several days later, I received this message: Your account can be paid in full if we receive XXX.XX within 10 days from the date of this message. There is no fee for paying off your account early. Paying your account in full may have a positive effect on your credit rating. Note that if you have any loans with a variable interest rate, and that rate is scheduled to change within the next 10 days, the payoff amount may be slightly different. The payoff amount may also change if any other adjustments are made to your account.My hackles rose a bit at their insistence that I send the money so quickly, but Im not sure if thats fair. Are they saying I need to send them the money within ten days just to make sure the balance is paid off correctly? That there isnt over payment or a tiny outstanding balance. I didnt expect them to push me to do it quickly. After all, its in their best interest that I dont pay this off immediately, and let them continue collecting interest.Am I being too paranoid? Its just that this is a lot of money, and I want to make sure Im going about this correctly.TL;DR: Payment in full of remaining student loan balance needs to be paid in a rush, but Im paranoid about why theyre in a rush to do it.For extra info, I will have about half of this money left over after I pay off the balance. I had planned to put nearly all of it into the start of a retirement account once Ive figured out the best way to go about it. Until then, its sitting in my savings account. I thought Id save at least some of it to pay off the taxes Ill no doubt be dinged with.EDIT: Thank you for the replies. So I was wrong to be paranoid, the consensus is that this is the most accurate amount they can provide, and in ten days interest will be calculatedcompounded again, so thats why the time limit. I feel much more secure now. Thank you again!  <response>: They arent saying you MUST pay it off that quickly, but that this is the full amount including interest, as long as you pay within ten days. After ten days, more interest may accrue to the account, changing that payoff amount.Its easy to misread in that way, but its sent with good intentions, not to be pushy. 