<prompt> Human: Im a 26 year old who is going to receive a large inheritance soon. Unfortunately I went to an expensive private school during the 20072008 Mortgage Crisis, something I now regret but thats neither here or there. Im currently operating under the assumption that all my inheritance is pretty much going to go to my loans. Ive been making consistent payments since I graduated but really they were just going to the interest, not a lot being chipped away. I currently pay about 700 a month in various loans. I have no other debt.My current loans are: Chase Private Loan serviced by AES: 30,000 10 Citizens Bank of PA serviced by ACS : 40,000 5 Federal Loans of 3,000 3 this is the one Im least concerned about, obviouslyI should be receiving 75K, with perhaps more but Im not sure how much that would be. Is it really the best course of action to eliminate debt all at once? Can I space it out? Its a bit of a bummer I cant use any of the inheritance for investments or personal enjoyment. What do you recommend I do with this money? Thanks!  <response>: Yes. Assuming you have an emergency fund in place by paying these off you are getting between a 5 and 10 return risk free. You cant beat that. 