<prompt> Human: Hey guys!I graduated last month and am fortunate enough to only have about 16.5K in students loans - very bearable. That said, I also started a 6-month internship that allows me to pay for my rent, utilities, and car payment and still have a decent amount left over. Im working through Total Money Makeover by Dave Ramsey and even though Im only 3 chapters in Im starting to get the idea: debt bad. Always bad.That said, how should I attack these suckers? Leave it be until grace period ends and start paying minimum payments for the full 10 years, or put down now as much as I can? My loans are:- 3,517 3.86 subsidized - 2,335 3.86 unsubsidized- 4,500 4.66 subsidized - 2,311 4.66 unsubsidized- 3,600 4.29 subsidized All through Great Lakes, if that makes any difference.Thank you guys for the help in advance! Im still working on ironing out my exact budget gameplan but lurking this sub for the past six months has really been getting my mind in the right zone! : Excited to be financially secure enough to stop worrying about my income and start thinking about how I can help others.  <response>: Since you owe about 4,660 in unsubsidized loans at roughly 4.2 on average, youre getting charged about 16month in interest. Grace periods dont mean no interest, it just means no mandatory payment. So every 100 you can pay off saves you about 4.2012 per month. 