<prompt> Human: I have 15,000 in student loansI am 6 months out of school, and theyre now accruing interest.My annual income is 110,000I have 20,000 in the bank currently.I live with my parents and dont have much in terms of bills outside of car payment 750mo.From a tax standpoint, is it beneficial to pay off the loans right away? or am I more likely to save if I just keep paying the payments. 150moAlso, was going to open a vanguard account soon, and was scared to do that until I have all this resolved.  <response>: Yes, I would just pay those all off in your situation. You make too much to benefit from the student loan tax adjustment, and the interest rates are probably not the best. 