<prompt> Human: So last June I graduated with my masters degree. At the time I had about 29k in student loan debt, distributed amongst 5 separate federal student loans ranging from 3.4-5.3 interest, and since then have been making 600 monthly payments toward the loans. Now, 10 months later, I have about 24.5k in student loan debt left and have about 25k in savings, i live with my parents and dont spend a lot of money. Im not sure if its a good idea using 11k to pay off my grad school debt, 5.3 interest, and continue making 600 payments. Would this be a good idea? My thought was that Id still have some savings, Ive wiped out the loan with the largest interest rate, and Ill probably finish paying off my loans 2 years earlier than I would if I just continued making payments of the same amount. Is there a combination that would be more beneficial.  <response>: Honestly, I would take 20k and pay down the loans. You still have almost 5k in savings and you will be able to continue to save while not paying a lot of interest on the life of the loan.Once you reach 10k in savings - pay the rest off - or what I would do is whatever you would put in savings pay towards the last 5k until its gone. Then that weight is off your shoulders and you can move forward. 