<prompt> Human: Im 21 years old with 6 more months of school left. Ill be coming out with roughly 15,000 in loans. I have a savings of 24,000 I accumulated during the past 4 years working part time. I have 6 different loans with the highest interest rate being 4.99 and most being less than 4. Im not sure what I want to do with the 24,000. I know I need to save for a safety fund of 6 months of my yearly income post graduation so Im estimating I need 24,000 post tax income. 1. Do I pay off all or some of the loans with the 24,000 savings?2. Do I invest it all into a high growth fundother type of investment that will make a higher return over the next 15-20 years?3. Do I just pay the minimums on my loans or pay more each month? I spoke to a financial ad visor and they recommended not paying ahead on school loans and save a 6 month nest egg then send extra money into stocksinvestments.Ive started saving for a house and would like to purchase one in the next 5-6 years and I have retirement savings started as well.  <response>: I would hold on to the money in a savings account as an emergency fund as well as for moving expenses etc to get established in your job. You dont want to pay off the loans and then have to out living expenses on a credit card, or if you dont get a job right away or whatever. And its not 6 months of income, but 6 months of expenses, so adjust accordingly. After you get settled in at your job, apt, all that I would put any excess on loans above 4 at least, or just pay them off. 