<prompt> Human: As the title states, Im going back to graduate school in the fall to get my masters in engineering. Tuition will be paid for by the university in exchanged for research assistantship and teaching, and I will be given a 13-20k stipend on top of tuition. Living expenses have not be set yet, but that will not be more than 600month, so I expect that to be covered by the stipend and my part-timefreelance work.Im currently working full time and have been using YNAB to pay down my CC debt. I currently spend 750month on CC debt with around 2200 left to pay off. So thatll be gone soon. I also spend 1000month on undergrad student loan debt, which will be deferred while in grad school. Once the CC debt is paid off, should that 750month go towards student loan repayment or should I start squirreling it away for expenses during grad school? On the same note, would I be better off making minimum payment on the student loans and saving more?I currently save 500month on top of whatever Digit pulls, so its been amounting to around 600month to my savings account. I also use Acorn, which gets around 75month. I know there are better options out there and I would like to switch but Im not really sure what to switch to. Advice on this would also be appreciated :  <response>: Keep a savings account with emergency money that you top off if you have to dip into it depending on your situation maybe 1-2k would cut it and put the rest into the highest interest loans you have. Be frugal, focus on school and get it done. Every extra six months you spend in school will cost you likely over 30k in wages you could be making had you gotten your thesis finished up on time 