<prompt> Human: Hi rpersonalfinance,Throwaway so as not to tie financial information to main account. I graduated with 29,581.84 in debt in a package of subsidized and unsubsidized federal loans. Since graduating Ive been employed full-time by my alma mater and have paid back 26,411.87 via monthly payments. Ive paid a little over 8,000 altogether, but have only shrunk the balance by 3,000. Im returning to graduate school tuition-free due to my job, but my monthly pay will drop significantly as Ill be taxed as if my tuition costs were income. The interest will freeze on my subsidized loans, but not my unsubsidized loans. I will not have to make monthly payments on any of my loans until after I graduate. A family member is giving me the contents of a 529 that they opened for me when I was born, and told me its a little over 17k. I intend to apply it all to my debt, and need advice on how best to do so. My loans are as follows;Loan Balance SubUnsub Interest ---------13,287.94 Unsub 6.556,734.47 Unsub 6.551,728.80 Unsub 3.614,660.66 Sub 3.61My plan right now is to: Completely pay off 13k loan Pay off as much of 6k loan as possible with remainder of 529 gift Focus on eliminating remainder of 6k loan, followed by the 1.7k loan Ignore 4.6k loan until after I graduate, since it will not accrue interestIm wondering if there are any steps I should take differently, or better things that I could do with this money to help tackle my debt. Im incredibly lucky to get this kind of a gift and I want it to be spent as effectively as possible! Thank you all in advance for your advice!  <response>: Sounds pretty good to me. 