<prompt> Human: Hey everybody, Im hoping to get some suggestionsadvice from you guys here at personal finance. Sorry for the long read, thanks for taking a look.So here is the deal. I have in my savings account 4,600 that I saved from my tax returns and my job. Now I started saving this cash, because I planning on paying off a good chunk of my loans. Here is what I oweUS Department of Education 4,500 5.6. 1,900 6.8. 4,500 4.52,200 3.44,500 6.02,000 6.8Nelnet 1,100 2.32,600 6.82,400 6.8Iam paying US dept. 350 dollars a month and Nelnet 300 a month currently.So, I was thinking that I would do one of two things. I can pay off one loan from US dept that is 4,5000 6.0 interest. Or, I can wait one or two more months and pay off all three loans I have through Nelnet. If I did that, I would take around 200 of what I pay to them now and put that towards my US dept. loan and pay them 500-600 a month.Now, however after reading around, I started thinking maybe I should start investing some of this money. In either company stocks, or IRAs or whatever. However, I have some significant time restraints mostly work about 60hrs a week and I am worried that I would not be able to spare the proper amount of time to watch my investments closely. So... Is there anything low risk that would be worth putting a couple grand in? Something I wouldnt have to keep a constant eye on? I want to put at least half towards my loans, so is investing around 2k into anything worth it?Right now I am thinking that I might just keep hammering away at my student loans. I can save about 700 sometimes more a month, so I could be sending in maybe 550 to US dept and 500 to Nelnet. However I was thinking that maybe Ill just save up and target my high interest loans first and pay them off one by one. So what do you guys think? What would you do in my position?  <response>: Do you have an emergency fund? If not, set aside some for that first.Then start throwing all your extra cash at the loans with the highest interest rates. I cant tell which is which for your loans, but call them and have them apply the payment to any combination of the loans with 6.8 interest. Then start working on the rest.In your position, I would not worry about investing until you have your student loans paid off, unless of course your employer offers a retirement plan with a percentage matching. You should take advantage of that before paying off the loans. Otherwise, pay off the loans, then start an IRA and work on contributing the max. You do not have to watch your investments closely. You should invest in a simple, diversified portfolio of mutual funds or ETFs that cover equities and bonds. These types of investments only need to be rebalanced occasionally. 