<prompt> Human: I have 10,209 in federal loans.3,500 at 3.4 interest375 at 4.5 interest6000 at 6.8 interest154.18 accrued interest due to a late payment from being out of school for a while.Im at roughly 1600 right now for my emergency fund. Three months three for now worth of expenses is about 3000 so Im halfway there now.Im in school until the end of summer in 2014. Should I go ahead and pay it off monthly? If so, how much? The loans will increase by roughly 4000 per semester so thatll be about 12,000 to go so I will be owing 22,000 overall.I assume Ill need to pay off the accrued interest amount immediately then work on the 375 next? I take home 2100 per month. Im thinking of paying 200 per month toward loans and adding whatever is left toward my savings after everything is accounted for. I have been putting 20 percent of each paycheck toward my savings 210 per check. I dont want to wait until Im graduated and then being rushed into starting the payments. I dont have any debt besides this one. No credit card or auto loans.  <response>: You seem like youve got it together, and this doesnt really apply to you... But maybe someone else will see it and itll help them out. Youve gotten plenty of good responses, so Ill just throw in .02... Return whatever money you have left over from the loan dispersement each semester after paying for classes and books back to your lender. Even if it is only a couple hundred dollars, itll make a big difference to you once you have to start repaying. Resist the urge to spend that money on a new laptop that you dont really need or partying or whatever else your fellow students spend their loans on. Youll be glad you did. 