<prompt> Human: Heres the situation -I have under 10,000 in student loans, all subsidizedthe interest rate is 4.45I am in the grace period and have not accrued interest on these loans I do not currently have a job, but am living with my parents and actively looking I have a degree in engineeringMy mom is upset with me for wanting to do this and wants me to do something fun with the money, but I feel that the responsible thing to do with this money is to use it to lower my student loan debt before it starts accruing interest. Is this the best thing to do, or am I being unfun?  <response>: Wait. Dont touch it yet. If you get a job where you need to move out, youll need first and last months rent, moving truck, utilities, etc. When I got my first job they paid monthly for a first whole month I was broke! Going hungry lol so hold on until you get settled. You dont even know whats coming yet. 