<prompt> Human: Im a recent college grad with about 32K in savings and about 13K in student loans. Im about to have to start my monthly payments. I have a job that pays 42K a year, so Ive got steady income moving forward, and about 20K in savings doesnt seem to bad moving forward.Should I just pay it all off now?  <response>: Yes. Pay it off. In my opinion, in every possible scenario, you want that bill off your back. If you are comfortable with 20 in savings and a steady check coming in, pay it off now. You can use the money that would go to loan payments to help you out with day-to-day expenses, or even use it to build your savings back up to 32. 