<prompt> Human: 23 years old, have 40k in savings and 27k in student loans with interest rates ranging from 3-6.5. Still living at home so other expenses are minimal. However I do plan to move out within the next 6 months.Would it be stupid to just pay off these loans in one lump sum? Is it worth wiping them away taking into consideration building my credit score, taking advantage of tax deductions, anything else etc, or are those things just insignificant in the grand scheme of paying off your student loans anyway. Worked hard for it but for the most part the money is just sitting in my bank account anyway and I would still have a nice cushion afterwards.  <response>: Not stupid at all, in fact thats the smartest thing you can do! Debt sucks, and youll be leftover with plenty for an emergency fund if you dont have one, or investing if you do! 