<prompt> Human: Im turning 24 and just finished school undergrad masters. My masters was paid for through TA research funding, and my undergrad was covered mostly through scholarships. I also paid for some of the tuition from jobs during school and internships.Loans: 9,350 in Direct subsidized loans 1,450 Perkins loanSavingsInvestments from jobs: 11k in a Roth IRA 8k rainy day fund in a high APY savings account 1.05 10k are in my credit unionbank accounts. In 6 weeks, 10k starting bonus minus taxesExpected spending: 3k on travel this summer ? on new apartment furniture for common areasIm starting a full time job in the fall and Im currently doing a paid internship abroad. I have no car, and I wont need one.I could either invest the surplus that I have and will have or pay off my student loans almost entirely during the grace period, to reduce interest. Which is better?I read the wiki, but it doesnt really address what to do if you can actually pay off everything before interest starts accruing.  <response>: Pay off the loans. Without a doubt. 