<prompt> Human: I recently received a gift of 100,000. It was completely unexpected and more than a bit overwhelming. I have about 85,000 in grad school loans. My first thought is just to pay off the loans completely and saveinvest the rest. I do not own a home and I dont plan on buying one either. I live very simply and do a pretty good job of saving. I dont have any major purchases at least nothing planned in the next few years but I have always desired to travel. I might return to school within the next 5-10 years for a PhD. Hope this was enough information. thanks for your thoughts and suggestions.  <response>: Its not even remotely a debate - pay off the entire 85,000 sum of debt right now. 