<prompt> Human: As the title suggests, I have 3000 that I can spend on whatever Id like right now gadgets, books, a down payment for a car, savings, etc, but I was wondering whether or not it would be smarter to go ahead and apply it towards my loans.As far as savings go, I have 11k in savings right now and my bills are more than taken care of every month.The loans are by two different companies: Sallie Mae -2,500 6.8 interest rate and My Great Lakes - 3,500 6.8 as well.A part of me just wants to spend the money on random stuff, just because, but another part of me wants to go ahead and pay off my loans so I can become debt-free and Im just looking for some guidance on what the best course of action would be. Should I continue paying more than the minimum every month and spend this 3000 on something else or should I go ahead and try to get rid of this debt?  <response>: If you pay the student loans off in two years, youll be paying almost 7000 total, or 1000 in interest. Is 3000 worth of things now worth 700 in the future?Pay off your debt, youll be glad you did. 