<prompt> Human: I graduated in May 2016, began working in August 2016 and began making payments on my student loan in November 2016 after my grace period 6months post graduation ended. When I made my first payment, I had 139,000 in student loan debt. They are federal student loans with combined average interest rate of 6.06. Currently I have 35,000 left to pay, and also have 35,000 in my checking account, what should I do? Pay it off in lump sum?Currently I reside with my parents who have graciously let me stay with them until I get my debt paid off and settled somewhere. Aside from personal expenditures phone, clothing, gas, etc., I dont have any other major expensesbills. I also dont have any investments or savings. My company does have a 401k plan with 5 match?? Also an employee stock purchase plan with 10 off lowest stock price between a 3 month period, or something like that. Like many others in this subreddit, I have no knowledge of how any of that stuff works, which is main reason why I never did it or any other investmentsportfolios. Im a person that doesnt like debt hanging over my head, so my plan always was to try to pay if off soon as I can. I currently make about 5500 per month after taxes. I dont like my job or the company I work for. I want to leave but right now, its paying me well enough to help me get this thing knocked out. So should I just go ahead any pay off the remaining 35K, and start scratch with zero in bank account? Do I just keep making payments and saving money for future expense such as down payment on house? Do I start making some investments, and keep making payments?TL:DR I have 35K in student loan debt, 35K in checking account, with no other savings or investments, what should I do?  <response>: 6 is pretty high. Take 20k and throw it at them. Maintain some funds for emergencies 