<prompt> Human: Hey all, this is my first post here after lurking for a bit and I wanted to see if I could get some of the communitys insight into my situation.Im 23 with stable employment and have saved up a good portion of my salary by being prudent - i.e., saving money everywhere I can, opting for cheap rent. After 1.5 years of working, Ive saved up 17,500, and as of yet, havent done anything productive with the money.I currently have 17,300 in student debt with a rate of 3.75, and I have been putting in a small monthly payment of 136. I am almost tempted to pay off all of the loans at once, but with such a low interest rate, its hardly worth it.So my question is, how should I manage this money? Should I invest all of it, except a portion for an emergency fund? Should I invest it on my own or go see a financial planner first? Would it also be wise to increase my monthly student loan payments?  <response>: Are you contributing to a 401k, IRA or other retirement savings? If not - start there.Keep an emergency fund of 3 months worth of expenses in something like a savings account ally is good. Then put the rest towards debt. 