<prompt> Human: I have two large student loans left to pay off. One is a state loan with a balance of 51,609 and a 3.15 intereset rate. The other is a Sallie Mae loan at 11,295 with a 10.75 interest rate. I have the option of putting the state loan into interest only payments for a while. Im wondering if its worthwhile to put the state loan into intereset only forbearance and throw the difference onto the Sallie Mae loan.  <response>: Definitely pay off the 10.75 loan as fast as you can. 