<prompt> Human: Every year during refund season Ive been throwing 90 of my refund into my savings. But now that Im a college student with student loana, would i be better off throwing whatever I get back to pay off loans?  <response>: Youd be better off saving that money specifically to pay toward next years tuition. That way you can avoid paying the origination fees on more student loans next year. If this is your last year of school, then yeah, go ahead and pay it towards your loans, preferably to any unsubsidized loans. 