<prompt> Human: Hi,Ive been becoming more aware of better ways to use my money and am hoping personalfinance can help. After going home this weekend I found out that I had more money from a deceased relative than I thought. The relative passed away 15 years ago and left me 20k in a Prudential accountmutual fund current value is about 40k and also 80k in bonds although my mom isnt sure if they are fully matured. I have about 25k left in student loans, and pay over 2x the minimum payment paying 1200month as I would like to pay them off in a few years. At this rate I should have them paid off by the time I am 29. Im wondering if I should just pay off my student loans with the money I have now so I can start saving for other things house, kids, etc..Couple of questions: Should I use the money in the mutual fund to pay off my student loans, or should I continue to pay off my student loans following my current plan? Whatever I do, the mutual fund its in right now has an above average expense ratio. Im thinking of transferring it over to Vanguard centralize it with my IRArollover 401k and putting it in a better mutual fund. I know I will have to pay taxes on my capital gains. Does this sound like a good plan, or should I just leave it over at Prudential. Same with with the bonds - if they are fully matured, should I cash them out and put them into a taxable investment account, or is it better to keep them as is. Would cashing these out increase my taxable income? If so, would it be better if I slowly do it over the next few years while I am still in a lower tax bracket?Some details: 27 years old in a high cost of living area Salary: 75K, 1237; is saved is put into 401k no match, and Ive been maxing out my IRA over the past two years Student loans: 25k interest rates 3.15-6.537; Car loan: 11k 037; interest though so am just paying the minimum payment 401k IRA: 32k Money from deceased relative: 40k in mutual fund, 80k in bonds Emergency fund: 15kAny other suggestions are welcome. Thanks!  <response>: First, wash the money in case it too is diseased. 