<prompt> Human: Hey,I am a recent college graduate who has around 10,000 in student loans. I currently am working making 2500 a month, and have a side business that nets me an extra few hundred a month. My only living expenses are what I pay to my parents to live at home 200-300 a month, my phone bill 60 and the money I invest into my side business 500 monthly. I also have around 7500 in bonds my parents bought when I was born that are about to mature. Additionally, I have an emergency fund of 5000 saved up. I have been putting 1000 a month into my loans, but I feel like I cant truly enjoy my money knowing I am in debt. I want to move out and start paying rent, but the rent money would be what I contribute to my loans, so I am waiting until they are paid off completely. It sort of feels like my life is on pause while I am trying to pay these off. Would it be okay to just cash my bonds and pay off the loan completely and get that weight off of my shoulders, or is that not the best financial decision. The loans are 3 different loans with APR rates of 4.6, 4.29 and 4.29, and they are currently in deferment if that affects anything. Thank you in advance for the advice, let me know if I am missing any information that could help you guys out.  <response>: Those are low rates on the loans, and youre paying them off so quickly theres very little benefit to cashing in your bonds. If you move out now, instead of waiting until you can pay off your loans with available funds, youre essentially costing yourself 10,000 just to get out on your own.Id continue living at home and paying off your loans with all of your disposable income, but not cashing in the bonds. Youll be done in less than a year, which may seem like a long time to you, but its not. And in a few months youll be in the enviable position of having a college degree, no debt, AND a good chunk of savings. 