<prompt> Human: Hey PF this discussion has been going around my house for awhile, and I just wanted to get another perspective on it. So I just recently graduated from college with some student loans 30K Ive been working part time and my dad thinks its more prudent to start to pay off my student loans on my minimum wage job. While a good idea, I think that after I finish grad school and have my starting six figure salary ill be able to pay off my loans, while larger, in a relatively short amount of time. Right now im just putting my money in a checking account so I have cash to spend when going out and such instead of just paying off a small chunk of it now. What would the best course of action be?  <response>: Every dollar you pay off now is a dollar youre not accruing interest on. 