<prompt> Human: Hey rpf,To start, I will be graduating law school in May 2017. I have a question regarding some extra money I have in the bank due to spending less than expected from my student loan. Here is my current status -wise:Income 200week from workI work with in-house counsel for a very well-known company, but do not paid much as I work less than 15 hours a week because of school. I do, however, get free gym, lunch, alcohol has to do with the company, parking, and a bunch of little perks here and there. Theyve also agreed to keep me until I graduate. I also might get more hours in next semester depending on how I structure my schedule.Expenses150month in rent living w a cousin bc she lives where I go to law school50-100month food50month gasAnd... thats really about it apart from some money I may spend on clothes here and there 50month maxDebtMy only debt is 80k in student loans for both undergrad and law school. Car is paid in full.Where I need adviceWith all this in mind, I need advice regarding some money Ive accumulated over the last 2 years of law school. I have taken out about 40k -50k in loans since starting law school. Along the way, however, Ive been awarded scholarships and grants and have used that money to pay for tuition. As a result, I have 23k just sitting in my Chase savings account. What should I do with that money?Ive considered the following, but am unsure if mathematically? they are my best options:1Use the 23k to pay off some of my student loan. If I choose this route, should I pay it now, or wait until I graduateget a job after passing the bar. 2Keep it as an emergency fund, and just start paying off my student loan when I get a job post-bar. If I choose this, should I just keep it all in Ally bank instead 1 beats out Chases shitty 0.01?3Keep 17k as an emergency fund, and put the remainder into opening a Roth IRA with max contributions for the year. Or I dont know If I can do this? keep 12k as an EF, and open a Roth IRA in December and max it out. Then, put the rest on January 1st to max it out for next year as well. 4Keep about 3k as a potential future security depositfirst months rent when I move out of my cousins post-bar. Put the rest in any of options 1-3.5Any other better options you all can throw out there or help me out withThanks in advance everyone!  <response>: If you didnt use it, just pay it back ASAP. No sense in paying interest. 