<prompt> Human: Hello! My father passed away 4 years ago and left me inheritance money of around 60k. I have school loans IAO 33k. I am scared to pay them off all at once because then I will have only 27k left. Should I pay them off in bulk altogether or just make the minimum payment amount and save? Thanks guys, I just know once I spend the money, its gone and I like having the cushion!  <response>: The money is already gone. Pay off the loans. 