<prompt> Human: Im 31 years old, I just graduated from grad school this past June and am about to start a job on Monday with a salary of 53k. I have no credit card debt and my loans from undergrad are paid off. Having been a full-time student for the past two years though means that I only had about 1k in my checking and savings account until this inheritance came through. The loan is a Direct Unsubsidized Stafford loan. It looks like there are different interest rates for the two different years I applied for and received the loan - is that possible? It looks like half of the loan has an interest rate of 5.84 and half has an interest rate of 6.21. The total due on the loan right now is 34,760, with 2,000 of that already being interest charges. I received 90k from the inheritance. It seems like a no-brainer to just pay the total due on the loan right away. It would leave me with 55k and 0 debt. Im getting married within the year and I think itd be nice to not bring my debt into a marriage. I guess it just feels too good to be true, so Im wondering if there are any potential catches to this. Is there any downside to paying off my student loan in one go? ELI5, please!  <response>: Have an good emergency fund and then pay back the loan in full. 