<prompt> Human: Hey everyone so Im currently a third year medical student and right now I have accumulated 244,149.43 in debt. My mom passed away about a decade ago and Ive just recently learned about how much she has left behind from her 401k and life insurance along with her other assets which totals about 400k. I would like to use this to pretty much cover all of the debt that I have accumulated but Im pretty clueless as to how I can efficiently utilize it. I dont even know where to start. My dad told me that a good chunk of that money will be taxed and probably wont be enough to cover my debt. Any help I can get or where to even start would be greatly appreciated reddit. Thank you all so much for your time. Heres a list and summary of all the loans that Ive withdrawn. Direct Grad PLUS 1-04 37,115.08 7.9 Direct Grad PLUS 1-06 35,578.30 6.41 Direct Grad PLUS 1-08 20,891.52 6.41 Direct Grad PLUS 1-09 2,292.50 7.21 TOTAL for Direct Grad PLUS 95,877.40 Direct Loan- Unsub 1-0352,897.21 6.8 Direct Loan- Unsub 1-0546,433.28 5.41 Direct Loan- Unsub 1-0748,941.54 5.41 TOTAL for Direct Loan- Unsub 148,272.03  <response>: You can consolidate for free at studentloan.gov, which will allow one company to have all your debt hence make it easier to handle things I really like NelNet mostly because of their 247 customer supportIf you dont consolidate then the payment should be as usual i.e. pay the minimum on every loan then use the rest to pay off the highest interest rate loanBeing in med school still, it may be more beneficial to pay off the unsub loans since they accumulate interest even during schoolresidencyfellowshipLastly, with so much debt etc at stake, it may help to pay an accountant 200-300 for advice, specially regarding the taxability of your inheritance 